Sell More Devices.
We Handle the Credit Risk.
Our Partners
We take the credit risk. You take the sale.
PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.
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We serve consumers with no credit history, no bank account, and no access to traditional financing.
9 out of 10 applicants are approved, so more browsers become buyers.
We own the credit relationship. Default risk stays with us, not you.
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Increase Customer Lifetime Value
Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.
Real results across emerging markets.
Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.
33%
are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV
20M
Consumers served: proven business model with sustainable, consumer-friendly offers
+33k
Points of Sale in 9 countries
A Trusted Financing Partner for Device Sales
PayJoy supports OEM partners with a sustainable financing model that drives device sales while maintaining strong relationships across the retail ecosystem.
Retailers are paid in days, not weeks. That confidence drives higher purchase orders.
No accrued interest, no late fees, no debt spiral. Our model is built to last.
We're profitable and growing. Your partnership isn't going anywhere.
Works alongside any other financing offer. Consumers choose. You don't lose.
Millions of success stories, and counting
From local entrepreneurs to growing families, this is whataccess looks like.
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Sempre o temos para emergências e para resolver problemas."Sempre o temos para emergências e para resolver problemas. Tem sido um grande apoio para o nosso trabalho, principalmente.
Sandra Rodríguez Valgañón e Alfredo Muñoz Pineda
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We pay you the full transaction amount upfront, typically within 24 hours.
Become a PayJoy Partner Today.
Fill out the form below and our regional commercial team will contact you to finalize
your setup.
