Having a new smartphone has never been easier!

Flexible payment options

No referrals

Only 1 valid ID needed

No bank account needed.

Get a Phone

Get a brand new phone today!

Qualify to buy a smartphone without a credit
card and pay weekly over 3-12 months.

Find a partner store near you

One valid ID, phone number, email address, and down payment will guarantee a fast approval.

Choose a phone and a repayment plan

Choose from the latest model and a payment plan suitable for you.

Best Brands

Choose our affordable payment options and build your credit history when you pay off your phone.

Find your nearest store

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Why Choose PayJoy?

No monthly service fees

No hidden costs –– not even late fees

No bank account or credit card needed

Instant approval in just 5 minutes

PayJoy puts you, our customer, first

Get a Phone

PayJoy turns your phone into virtual security collateral. If you are late paying, you won’t be able to use your phone - this lets us offer you a low cost of financing with no late fees.

Millions of happy
customers and counting

"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

What We Do & Why It Matters

Pay online

You can now pay your account through the Pay@ Online Portal.

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.

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Why choose PayJoy?

PayJoy empowers retailers to maximize sales and customer satisfaction through our innovative financing solutions.

Key Benefits:

• We have the least onboarding document requirements for both partners and customers
‍
• 95% application approval unlocks more sales opportunities

• Customers confidently purchase higher-value devices

• Flexible payment options foster long-term loyalty

• Join thousands of satisfied retail partners growing their business with PayJoy!

What does PayJoy Philippines (PayJoy) offer?

PayJoy PH provides access to Android smartphone financing for the underserved and the underbanked

How can my customers get PayJoy financing?

We just need two things from the individuals to get the financing:
- A valid and active government-issued ID for verification
- An active phone number for account linking

How can I be a PayJoy Retail Partner?

To ensure a smooth partner onboarding process, please prepare the following valid and active documents according to your business type:
- PayJoy Agreement
- National ID
- BIR Certificate of Registration (COR)
- Any document to validate the signature and the President's or Owner's name. If another person is signing on behalf of them, then we'll require a Sec Certificate or Special Power of Attorney

‍

How long does it take to be onboarded as a PayJoy Retail Partner?

If the submitted documents are complete and valid, you will be registered within 1-2 business days.

Is my information secure with PayJoy?

Yes. We:
- Follow Philippines Data Privacy Act laws
- Use bank-level security
- Never share your data without permission
- Have strict employee access rules
Your information stays protected.

Do you finance all brands and models?

Yes! We support all major Android brands.

Do you offer marketing materials?

Yes. PayJoy supplies comprehensive marketing collateral to drive your sales.

Como funciona a PayJoy

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Onde encontrar

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Como funcionam o financiamento e os pagamentos

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Como funciona o aplicativo PayJoy

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Garantia, reparo, perda, furto e roubo

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PayJoy turns your phone into virtual security collateral. If you are late paying, you won’t be able to use your phone - this lets us offer you a low cost of financing with no late fees.

Having a new smartphone has never been easier!