Get smartphone bargains so good it’s bonsella!
With affordable payments
No bank statements needed
No bank account needed.
If you like lay-by, you will love PayJoy
Get a brand new phone today!
PayJoy approves more than 95% of customers
Find a partner store near you.
With just your valid SA ID book, Proof of address no older than 3 months, SA phone number, email and a deposit amount, we will approve your application fast.
Choose a phone and a repayment plan.
Choose from the latest model and a payment plan suitable for you.
Best Brands!
Choose our affordable payment options and build your credit history when you pay off your phone.
Find your nearest store
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Get DirectionsPayJoy Partners
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 Choose PayJoy?
No monthly service fees
No penalties on late payments
No bank account, payslip or proof of residence needed
With PayJoy your phone acts as a credit guarantee. If you miss a payment, your phone will be locked. - this lets us offer you a low cost of financing with no late fees.
Millions of happy
customers and counting
"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."
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
"Since I bought the phone with PayJoy I've feel very close to my son, we call each other everyday. Although we don't live in the same place, we have been able to maintain our relationship through the phone."
Khadidiatou Ndiaye
, Customer
Pay online
You can now pay your account through the Pay@ Online Portal.
Pay in store
The deposit in bank accounts is not an authorized point to pay. PayJoy is not responsible for payments made through unauthorized channels.
Como funciona a PayJoy
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Onde encontrar
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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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With PayJoy your phone acts as a credit guarantee. If you miss a payment, your phone will be locked. - this lets us offer you a low cost of financing with no late fees.
Get a phone with PayJoy!
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Visit your nearest PayJoy Partner Store.
