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
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
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