Easy! You just need to take advantage of your loan and make your minimum payments on time. If you are consistent, you will receive offers in the future to increase your available cash.

No! You can withdraw at any BBVA bank and you can pay your loan directly at an OXXO or convenience store. You do not need to have a bank account.

To withdraw your money you only have to go to any BBVA branch at the window with your current INE/IFE.

Any amount you want! It can be the total amount available or a part of your available funds. Just remember that the minimum is 100 pesos.

For security reasons, you cannot cancel or modify your request. You have to wait 7 days, which is the period in which your withdrawal request expires, in order to start a new one.

This will depend on the amount you withdraw, and we will tell you when you make your request. The good news is that if you pay more than the minimum amount on time, you will save interest.

Your withdrawal code will appear on the main screen of the PayJoy app within 24 hours.

You can make your payments in places like OXXO, 7-Eleven, Walmart and Farmacias del Ahorro or by bank transfers. Through the PayJoy app, you can choose the option that suits you best. You will then receive a reference code, which is updated weekly, which you must use when paying.

You can request the line of credit if you are new to PayJoy, just download the app and complete the application process, for now only available for Samsung devices.

No! At PayJoy, you decide how much you withdraw and when you use your money. You do not get charged for the amount you have not used.