# 20 Million Lives Transformed.

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.

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## Monica shares her experience with PayJoy! South Africa  
[Monica shares her experience with PayJoy! South Africa](https://www.youtube.com/watch?v=jIoESK-La7g)  
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”  
_Monica Fumba_

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## How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines  
[How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines](https://www.youtube.com/watch?v=6vLQhubBN1U)  
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”  
_Nicole Eve Aguilar, Food Cart Entrepreneur_

## ¡Marcela comparte su experiencia con PayJoy! | Colombia 2025  
[¡Marcela comparte su experiencia con PayJoy! | Colombia 2025](https://www.youtube.com/watch?v=FLXj_T0atAo)  
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”  
_Marcela Perdomo López, Founder of Arepitas Paisas_

## Our Impact

As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.

### Impact Statistics

### 79%
**Customers strongly agree PayJoy improved their financial well-being.**

### 50%
**Customers are new to credit.**

### 47%
**Customers are women.**

### 31%
**First-time smartphone users.**

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“If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”  
_Mery Espinoza_