PayJoy makes owning
a smartphone affordable
and easy.

Pay a deposit of 30%
and pay the rest over
3, 6 or 9 months

No credit history
or bank statements

Get a new smartphone today!

Qualify to buy a smartphone without a credit
history and pay weekly over 3, 6 or 9 months.

Ways to Pay

Pay Online!

You can now pay your
account through the
[email protected] Online Portal.

Head to any [email protected] partnered retail store and pay by cash, debit card, credit card or snap scan.

In store

Pay at the store
where you purchased
your Smartphone.

Frequently Asked Questions

  • No credit history needed.
  • No monthly service fee.
  • No late interest fees.
  • No initiation fee.
  • No collection charges.
  • No credit insurance.
  • Terminate the contract at any point.

You will only be able to be paying off one phone at a time with PayJoy. Once you’ve finished paying, you can apply another!

Currently, you need to apply in-store at any of the PayJoy approved distributors.

Depending on which option you selected for repayments, the either weekly or monthly rental price is displayed on the rental contract which was emailed to you. One can also see the rental price in the PayJoy mobile application.

The phone will lock and you will not be able to use it normally. You will only be able to dial our call center numbers and emergency phone numbers for assistance.

The phones come with a manufacturer’s warranty limited to manufacturer’s defects, email [email protected] to receive information on how to enforce the manufacturer’s warranty.

If the phone is damaged by you (water damage, dropping, misused, etc.) during your repayment period you will be responsible for the cost of repairs, while maintaining responsibility for ongoing payments.

Report any stolen phone to the police. However, you will be required to make repayments for the duration of the contract

If the sim card is changed to a un-registered sim the device will lock, The sim can be updated by contacting our support team [email protected]

No. However, the PayJoy app may be removed once you have finished your payments should you want it removed from the device.