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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PayJoy compatible brands

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.

Why Choose PayJoy?

No monthly service fees

No hidden costs –– not even late fees

No bank account or credit card needed

Instant approval

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

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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.

How to apply?

You need to apply in-store at any PayJoy approved distributor.

When is my first payment due?

7 days after purchase, you will need to make the first payment.

How many phones can I purchase with PayJoy at once?

You can only purchase one phone at a time with PayJoy. Once you finish paying for your first smartphone, you can apply for another one.

How do I know what my weekly or monthly payment amout will be?

Your repayment amount will be on the contract sent to you on email and it will also be displayed on the PayJoy App.

What if I miss a payment?

Your phone will lock. You wont be able to use it except for when you dial PayJoy's contact center or emergency calls. Once the payment is made the phone will unlock and normal usage of it will return.

The smartphone come with warranty?

The smartphones come with a manufacturer’s warranty limited to manufacturer’s defects, you can email customersupportph@payjoy.com for more information.

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!