The phone you want. Fixed payments that don't pile up.

Pay weekly or monthly over 3–12 months.

No bank account needed. No late fees.

Your phone, your way

Two ways to get your phone.

Buy in store or online and pick up near you. Just your ID and a phone number.

1

Shop Online

Buy from your phone in minutes and get it delivered to your home, or apply for financing online and complete your purchase at your nearest store.

2

Go to a store

Bring your ID and phone number. Get approved in minutes and leave with your phone the same day.

Big brands. Small Payments.

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Pick My Phone

From ID to approved in minutes.

You don't need a credit history. You don't need a bank account. Just your ID and a few minutes.

9 out of 10 people get approved

No credit history, no bank account needed. Just your ID and a phone number.

Fixed payments that never go up

Agree to it on day one, and that’s what you pay every week. No surprises.

No late fees, ever

Miss a payment? Your phone locks until you catch up. No extra charges added.

How it works

Your phone is your guarantee.

Instead of a credit check, your phone is the collateral. Pay weekly, stay unlocked. No hidden fees, no debt that grows.

Easy reminders

With a single payment, your phone is unlocked instantly. Payments don't accumulate; it's always just one payment.

Unlocks instantly

Make your payment and your phone unlocks right away. No codes, no waiting, no calls to make.

Always a lifeline

Emergency calls and PayJoy support are always available, even if your phone is locked.

Common Questions

Everything You Need to Know.

We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.

How does financing work?

It's a lease-to-own product. No sign-up fees, no annual fees, no late fees — no hidden charges of any kind.

Which phones can I get?

Choose from HONOR, VIvo, Oppo, realme, motorola, xiaomi, Samsung, Tecno, Infinix, itel. Available models vary by store and country.

What do I need to apply?

A valid photo ID and an active phone number. That's it.

How much is the down payment?

Between 25% and 30% of the phone's price, depending on the model.

How much will I pay in total?

Your rate is calculated at the time of purchase. You'll see every cost clearly before you commit — no surprises.

How do I make payments?

At any convenience store, or at the store where you bought your phone, or according to your country rules.

I qualify for a device. What are the next steps?

Please visit one of our PayJoy kiosks or PayJoy partner stores to view the select range of devices available to you.

Millions of success stories, and counting

From local entrepreneurs to growing families, this is what access looks like.

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🏆 Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube

Experiencia de cliente con PayJoy en Colombia | Linda Montes

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."

Find A Store to Buy a Phone with PayJoy

Prefer to handle your credit in person? Visit any of our thousands of authorized retail locations to withdraw cash, pay for products, or get help with your application.