Unlock new revenue with device financing & credit

Empower more customers to buy today and keep them coming back for upgrades, accessories, and more.

With PayJoy’s Phone Financing and Credit Line, customers get the device they need today and access to flexible, fair credit for tomorrow. Increase device and accessory sales, upgrades, and loyalty.

Partner with PayJoy

“With PayJoy I got my first smartphone and my first credit.”

Mboule Badji

Customer

What Is PayJoy?

Our Mission

Our Mission is to create financial opportunities for people typically left out of the system, helping them access the tools they need to grow.

Our Reach

As a global company, PayJoy operates at scale across emerging markets:

Countries

Who We Serve

PayJoy helps people who face barriers to traditional  credit, such as:

No bank account
Low or no credit score
Lack of financial knowledge
Missing documents (e.g. proof of address, guarantors)

What do we offer?

Smartphone-Backed Credit

Our patented technology enables access to offer credit by using the smartphone as collateral. If a payment is missed, the phone is temporarily locked until the customer catches up — no repossession, no interest penalties, and the user keeps ownership.

This customer-friendly approach has earned us a 42 NPS (Net Promoter Score). Our customers don’t just get credit, they gain access to tools for work, education, and financial progress:

50%

receive their first loan

26%

get their first smartphone

86%

find that PayJoy has made the feel more financially secure

Beyond the Phone: Credit That Grows With the Customer

Whether they start with a phone, a card, or both, PayJoy builds a bridge to long-term financial empowerment.

35%+ of fully paid users receive  a credit line

Buy now, pay later for everyday needs: food, transport, medicine
Build credit history with consistent payments
Get reminders when a payment is due — stay on track, stress-free
No hidden fees, no interest for late payments — only pay for what you use
Credit refreshes with each payment — use it again and again

Together, the phone + credit line create a financial pathway that grows with the user. It’s not just a transaction — it’s an on-ramp to the digital and financial world.