PayJoy
payjoy.comLocations
San Francisco, CA, USA · Bengaluru, Karnataka, India · Mexico City, Mexico · Shenzhen, Guangdong, China · Quito, Ecuador · Sandton, South Africa · Brindisi, BR, Italy · Iona, ID, USA
Size
1001 - 5000 employees
Stage
Other
founded in
2015
PayJoy is a mission-first credit provider dedicated to helping under-served customers in emerging markets achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served nearly 20 million customers and lent nearly $4B as of 2026 while achieving solid profitability and growth.
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