Own Your Smartphone,
Your Way

Build your credit today!
A lady happily stares at her new phone

Get a new phone today!

Join 10 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
A lady stares happily at her phone, she seems to be in a street walk
A lady holds her phone happily, she seems to be inside a store of some kind
Brands that are compatible with PayJoy

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
The drawing of a store front
The drawing of a plus sign
The drawing of a shopping cart
The drawing of a wrench tool
The drawing of a knife and a fork
The picture of two men smiling happily at the camera, they seem to be in a crowded street
The picture of a man talking on the phone on a street walk. There are some other men behind him, they all stare at him from inside a store

Get your smartphone today and pay the rest over 3, 6 or 9 months

All you need is:
Valid South African ID / Passport
Valid Email Address
Valid SIM card
Each payment help build your credit history
Get a loan

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