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PayJoy

🌎 payjoy.com

PayJoy is a mission-first financial service provider based in San Francisco, California, dedicated to helping under-served customers in emerging markets achieve financial stability. The company offers unique financing solutions that allow individuals to purchase smartphones on credit without needing a credit card or bank account. Utilizing patented technology that turns smartphones into digital collateral, PayJoy employs advanced machine learning and anti-fraud AI to provide low-cost loans and qualify a wide range of customers. As of 2024, PayJoy has provided billions in credit to 12 million customers, focusing on sustainable and profitable growth.

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PayJoy - Latest News and Updates

• PayJoy Perú encourages entrepreneurs to join their network by filling out a form linked in their bio.
• Wagner Mendonça, Country Manager at PayJoy, emphasized the need to accelerate credit access in Brazil to improve financial inclusion for low-income individuals, who often lack credit history and face bureaucratic barriers.
• PayJoy Perú encourages users to start building their credit history by engaging with their post on March 26, 2025.
• Doug Ricket is the Founder and CEO of PayJoy.
• A customer named Lavina F praised PayJoy on March 23, 2025, for providing excellent service and a decent phone.

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