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

Pay weekly or monthly. Choose from 3-12 months.

Your phone, your way

Two ways to get your phone.

Check your eligibility online. Complete your application at your nearest kiosk or partner store.

1

Go to Store Find out your approved amount in minutes, just with your SA ID. Complete your application at your nearest kiosk or partner store and get your new phone today.

2

Chat with an Agent Get personalized help finding your nearest Kiosk or Partner Store.

Big brands. Small Payments.

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.

Transparent payments
that are fixed for your term Agree to it on day one, and that’s what you pay weekly or monthly. No surprises.

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

We use the phone as our security.

Pay weekly or monthly to stay unlocked. No hidden interest fees, no debt that grows

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

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.

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 phone rental work?

It's a rental agreement with an option to purchase and a clear path to ownership

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 Upfront payment?

Up to 30% depending on your risk profile.

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?

Visit Kiosk or partner store where you got your phone. You can also pay via the PayJoy App

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

Please visit one of our PayJoy kiosk 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.