With PayJoy Credit Line, you have money when you need it.

Available for all existing PayJoy app users, and for new customers by downloading the app on Samsung devices.
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With PayJoy Credit Line,
your financial cushion is where you are

Credit that is renewed with each payment
Cash whenever
you need it
Secure, transparent, and easy to navigate

Discover our app

We went digital so you always have your money with you when you need it. Easy, fast, and without so much paperwork

Request your credit.
It will take you less than 2 minutes.

If you are new, download the app to request your credit. Already have the app? Just open it to see the offer
Receive your funds. Available in less than 24 hours.
Request your PayJoy card or withdraw at your nearest BBVA branch

The voices of more than 7 million users that love PayJoy

"I love PayJoy because the product is accessible, the platform is easy to use and the application process is super fast"
Salvador, 36 year old
"PayJoy Credit Line has been an impetus to keep my auto accessories business growing. It offers convenient and accessible payment options, but above all, the process is very fast"
Hector, 52 year old
"My husband and I wanted to start a business for a long time, but we didn't have enough capital. With PayJoy Credit Line we can fulfill our dream"
Guadalupe, 29 year old

We want to address all your needs

We want your experience with PayJoy Credit Line to always feel secure. Below we have answered some questions that might come up, if you do not find the answer you are looking for, please write to us! We’d love to help you.
How do I withdraw my money?

To withdraw your money you only have to go to any BBVA branch at the window with your current INE/IFE.

How much money can I withdraw?

Any amount you want! It can be the total amount available or a part of your available funds. Just remember that the minimum is 100 pesos.

Can I cancel or modify a withdrawal request?

For security reasons, you cannot cancel or modify your request. You have to wait 7 days, which is the period in which your withdrawal request expires, in order to start a new one.

How soon will my withdrawal be available?

Your withdrawal code will appear on the main screen of the PayJoy app within 24 hours.

Where can I make my payments?

You can make your payments in places like OXXO, 7-Eleven, Walmart and Farmacias del Ahorro or by bank transfers. Through the PayJoy app, you can choose the option that suits you best. You will then receive a reference code, which is updated weekly, which you must use when paying.

Can I use the PayJoy Credit Line if I haven't used PayJoy before?

You can request the line of credit if you are new to PayJoy, just download the app and complete the application process, for now only available for Samsung devices.