# OEM & Manufacturer Partnerships

Sell More Devices. We Handle the Credit Risk.

**Our Partners**

Integrate Today

### We take the risk, you take the sale

**Reach new buyers**  
We serve consumers with no credit history, no bank account, and no access to traditional financing.

**High approval rates**  
9 out of 10 applicants are approved, so more browsers become buyers.

**Payjoy takes the risk**  
We take on the risk and you get the sale.

.webp)

# Phone Financing

### Increase Customer Lifetime Value  
Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.

### Premium Mix Shift

### 5G Network Scale

### Inventory Velocity

## Proven Outcomes

## Real results across emerging markets.

Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.

### 33%
are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV

### 20M
Consumers served: proven business model with sustainable, consumer-friendly offers

### +33k
Points of Sale in 9 countries

## The Mechanical Backbone

### A Trusted partner for Device sales.

PayJoy supports OEM partners with a phone rental model that drives device sales while maintaining strong relationships across the retail ecosystem.

**Fast settlements**  
Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

**No debt-trap**  
No accrued interest, no late fees, no debt spiral. Our model is built to last.

**Financially stable**  
We're profitable and growing. Your partnership isn't going anywhere.

**No channel conflict**  
Works alongside any other financing offer. Consumers choose. You don't lose.

## Millions of success stories, and counting

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

### Testimonials  
**Monica shares her experience with PayJoy! South Africa - YouTube**  
  
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”  
Monica Fumba

**How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube**  
  
“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 - YouTube**  
  
“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

**Testimonial de cliente en Ecuador | Mery - YouTube**  
  
“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

## Who is responsible if the customer doesn't pay?

"We cover the risk, you make the sale" if the customer doesn't pay. We cover the full transaction amount upfront as per our agreement with you.

### Become a PayJoy Partner Today.

Start Growing.

### Thank you!!

Your submission has been received!