The phone you want. Fixed payments that don't pile up.
Pay weekly or monthly. Choose from 3-12 months.
Two ways to get your phone.
Check your eligibility online. Complete your application at your nearest kiosk or partner store.
Big brands. Small Payments.
From ID to approved in minutes.
You don't need a credit history. You don't need a bank account. Just your ID and a few minutes.
We use the phone as our security.
Pay weekly or monthly to stay unlocked. No hidden interest fees, no debt that grows
Easy reminders
Miss a payment? Your phone locks until you catch up. No extra charges added.
Note: Please ensure you are connected to data for the PayJoy App to update after making a payment
Unlocks instantly
Make your payment and your phone unlocks right away. No codes, no waiting, no calls to make.
Make sure you have data connection for the app to update post payment otherwise phone won't unlock.
Always a lifeline
Emergency calls and PayJoy support are always available, even if your phone is locked.
Everything You Need to Know.
We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.
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It's a rental agreement with an option to purchase and a clear path to ownership
Choose from HONOR, VIvo, Oppo, realme, motorola, xiaomi, Samsung, Tecno, Infinix, itel. Available models vary by store and country
A valid photo ID and an active phone number. That's it.
Up to 30% depending on your risk profile.
Your rate is calculated at the time of purchase. You'll see every cost clearly before you commit — no surprises.
Visit Kiosk or partner store where you got your phone. You can also pay via the PayJoy App
Please visit one of our PayJoy kiosk or PayJoy partner stores to view the select range of devices available to you.
Find the nearest PayJoy kiosk or PayJoy partner stores by clicking Store Locator
Millions of success stories, and counting
From local entrepreneurs to growing families, this is whataccess looks like.
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"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda
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Find a PayJoy Kiosk or Partner store near you
Prefer in-person assistance? Visit one of our kiosks or partner stores to get started
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