Get a smartphone today!

With affordable payments

No bank account needed

No bank account needed.

Get a Phone

Get a new phone today!

Qualify to buy a smartphone without a credit
card and pay weekly over 3-12 months.

Visit a PayJoy Retailer Near You.

With just your ID and phone number, we’ll approve you in minutes

Choose a Phone and Plan.

Choose from the latest smartphone models and pick a finance plan that works for you

The best brands!

Pay off your phone with our convenient payment options and build a credit history.

Find your nearest store

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Brands that are compatible with PayJoy

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 PayJoy?

No hidden costs –– not even late fees

No bank account or credit card needed

Cancel your loan and return the phone any time if it’s not working for you

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

How can I increase the amount I have available?

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.

Do I need a bank account to access the PayJoy Credit Line?

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.

How do I withdraw my money?

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

How much money can I withdraw?

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.

Can I cancel or modify a withdrawal request?

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.

How much do I have to pay for my loan?

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.

How soon will my withdrawal be available?

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

Where can I make my payments?

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.

Can I use the PayJoy Credit Line if I haven't used PayJoy before?

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.

Are there extra charges if I don't use my loan?

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.

Como funciona a PayJoy

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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.

Get a smartphone today!