Akses keuanganmu mulai dari sini

PayJoy menyediakan akses smartphone dan program PayJoy untuk semua.

Pilih HP
Linda Montes, Garment Maker
"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
Read the Customer Story
Jorge Monroy Lazaro, Security Guard
“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”
Read the Customer Story
Nicole Eve Aguilar, Food Cart Entrepreneur
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”
Read the Customer Story
Sandra Rodríguez Valgañón and Alfredo Muñoz
“We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”
Read the Customer Story
Marcela Perdomo López, Founder of Arepitas Paisas
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”
Read the Customer Story
Mery Espinoza
“If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”
Read the Customer Story
Monica Fumba
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”
Read the Customer Story
Woman in floral dress smiling and taking a selfie with a smartphone against yellow background.
Smiling woman in yellow top holding a green smartphone against a bright yellow background.
Smiling woman in green apron holding a green smartphone against a bright yellow background.

Bank butuh riwayatmu. Kami cukup butuh KTP-mu.

Three Indonesians using smartphones: a woman on a call, a woman showing a phone screen, and a man holding a phone.Smiling woman in green apron using smartphone at colorful outdoor food stall.
Akses Smartphone

HP baru, langsung di tanganmu hari ini.

Pembayaran yang menyesuaikan hidupmu, bukan sebaliknya. Dapatkan smartphone yang kamu butuhkan hari ini.

Tanpa denda keterlambatan, pembayaran fleksibel

Tanpa rekening bank atau skor kualifikasi

Beli hari ini, online atau di toko

Pilih HP saya
Beli HP Online

Jutaan kisah sukses, dan terus bertambah

Dari pengusaha lokal hingga keluarga yang berkembang, inilah wujud nyata akses smartphone.

"Kami selalu memakainya untuk keadaan darurat dan menyelesaikan masalah. Ini sudah jadi andalan utama untuk pekerjaan kami."

Sandra Rodríguez Valgañón dan Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
Linda Montes, Garment Maker
“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”
Jorge Monroy Lazaro, Security Guard
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”
Nicole Eve Aguilar, Food Cart Entrepreneur
“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
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”
Marcela Perdomo López, Founder of Arepitas Paisas

Millions of success stories, and counting

From local entrepreneurs to growing families, this is whataccess looks like.

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see all stories
see all stories

"Kami selalu memakainya untuk keadaan darurat dan menyelesaikan masalah. Ini sudah jadi andalan utama untuk pekerjaan kami."

Sandra Rodríguez Valgañón dan Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
Linda Montes, Garment Maker
“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”
Jorge Monroy Lazaro, Security Guard
“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”
Nicole Eve Aguilar, Food Cart Entrepreneur
“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
“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”
Marcela Perdomo López, Founder of Arepitas Paisas
“If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”
Mery Espinoza
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”
Monica Fumba
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