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Get your phone with weekly payments

Plus up to $2,000 pesos in credit on your PayJoy Card
Backed by Mastercard and ready to use at thousands of stores.
Fill out the form:
Please do not include "0" at the beginning of the phone number. We will contact you via WhatsApp.
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How does it work?

When you buy your phone with PayJoy, you also get a PayJoy Card with credit included — ready to use instantly.

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  • Visit your nearest store and bring: Your phone number / A valid government-issued ID
  • Choose the model you like the most and apply for a financing plan.
  • Receive and activate your PayJoy Card with up to $2,000 pesos right from the app.

What You Get with PayJoy

More than just a phone, PayJoy gives you flexible payments, instant credit, and the confidence of a trusted partner.

Easy Weekly Payments

Every purchase is split into small weekly payments over 6 months.

No Extra Fees for Paying Late

If you fall behind, your debt doesn’t grow. No hidden fees.

Real Human Support

Got questions? We’re here to help — fast and friendly.

A Free, Safe, and Ready-to-Use Card

Virtual or physical, your PayJoy Card comes at no cost. Use it online or in thousands of stores.

Save More by Paying More Than the Minimum

Pay a little extra or pay early whenever you can to save on interest.

Renewable credit

Build your credit history. Use it, pay it off, and use it again whenever you need to.

Shop, Top Up
& Pay Anywhere

Buy accessories, add balance, and use your PayJoy Card at Shein, Temu, Uber, pharmacies, supermarkets, and more.

Over 15 million people trust PayJoy.

"I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it."
Mboule Badji
, Customer
"Thanks to PayJoy I was able to buy a phone with monthly payments, I'm very thankful because they gave me credit with just a few requirements"
Tamisha Iman
, Customer
"I have been saving a lot of time for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy I was so happy because I could buy a great smartphone immediately without paying the full price of it."
Khadidiatou Ndiaye
, Customer

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Frequently Asked Questions

About the Phone Purchase

No penalty interest is charged, users just pay what’s due, and their phone is temporarily locked until payment is made.

What phones can I buy with PayJoy?

You can apply for your line of credit once you've finalized your cell phone financing with PayJoy. Just go to your PayJoy app and follow the instructions. If you don't have the app, leave us your information and we'll find you and help you.

What phones can I buy with PayJoy?

You can apply for your line of credit once you've finalized your cell phone financing with PayJoy. Just go to your PayJoy app and follow the instructions. If you don't have the app, leave us your information and we'll find you and help you.

About the Credit Line and PayJoy Card

No penalty interest is charged, users just pay what’s due, and their phone is temporarily locked until payment is made.

About Payments

No penalty interest is charged, users just pay what’s due, and their phone is temporarily locked until payment is made.