Own Your Smartphone,Your Way

Build your credit today!

Get a new phone today!

Join 14 million happy customers by applying for your Smartphone Today! Pay a small deposit and the rest over 3, 6 or 9 months.
No bank account? No problem!
Affordable phone rental.
Compatible with the best brands.
Compatible with the best brands.
Get a phone
Brands that are compatible with PayJoy
Honor logo
oppo logo
realme logo
samsung logo
tecno mobile logo
infinix logo
infinix logo
infinix logo
infinix logo
infinix logo
infinix logo
oneplus logo

Con PayJoy línea de crédito
tienes dinero siempre a tu disposición

Un producto exclusivo para clientes PayJoy. Ve a tu aplicación PayJoy para ver si eres eligible o conoce más en nuestro sitio.
The picture of a hand holding a phone while another touches it
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Get your smartphone today and pay the rest over 3, 6 or 9 months

All you need is:
Valid South African ID / Passport
Each payment helps build your credit history
Get a phone

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
"During a financial difficulty I was having, PayJoy made it possible for me to get a fast smart phone for work and to video call my family. And it's easy to make payments over time!"
Ahmad Safii
, Customer
"I needed a new phone for my job, I have a Men's hair salon and thanks to PayJoy I was able to buy a smartphone to search for new trends and learn them through YouTube videos and social media, now I have built a career thanks to all the features I've discovered on it."
Naseemuddin
, Customer

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. "
Naseemuddin
, Customer
" During a financial difficulty I was having, PayJoy made it possible for me to get a fast smart phone for work and to video call my family. And it's easy to make payments over time! "
Naseemuddin
, Customer
" I needed a new phone for my job, I have a Men's hair salon and thanks to PayJoy I was able to buy a smartphone to search for new trends and learn them through YouTube videos and social media, now I have built a career thanks to all the features I've discovered on it. "
Naseemuddin
, Customer