About PayJoy
We provide credit to underserved customers in emerging markets. Our patented technology offers secured credit, giving new customers a way to access the credit system.
Our products include point-of-sale financing for smartphones and credit cards. We help customers acquire smartphones without a credit card or bank account, with payment plans over 3-12 months. We support popular smartphone brands like Honor, Motorola, Oppo, Realme, Samsung, Tecno Mobile, Infinix, and OnePlus. We also offer cash loans or a credit line to eligible customers.
We have served over 18 million customers across 9 countries: Mexico, Colombia, Brazil, Panama, Peru, Ecuador, South Africa, Philippines, and Indonesia. We are a Public Benefit Corporation and have been profitable since 2022. We’ve also been 100% carbon neutral since 2022, funding projects like an Amazon forest protection project in Peru for 2025.
Mission & Values
Our mission is to provide credit for everyone and bring financial access to underserved populations globally. We aim to reshape finance by offering services to customers regardless of whether they have a bank account or formal credit history.
As a Public Benefit Corporation, we are committed to ethical lending and making a positive impact on our customers’ financial health. Our commitments include:
- No Accruing Interest
- No Debt Trap
- No Late Fees
- No Loan Stacking
Our guiding principles are:
- Ownership
- Break Through Walls
- Live Communication
- Transparency & Directness
- Focus on Scale
- Work-Life Balance
- Embrace Diversity
- Speed
- Active Listening
Team & Culture
We have a global team of 1001-5000 employees, and we emphasize collaboration and diverse perspectives. We encourage bold ideas from everyone.
Our culture focuses on rapid learning, working with experienced professionals, and developing new skills. We are committed to supporting healthy, balanced lives for our employees.
Benefits & Perks
We offer market-competitive compensation.
Our health and wellness benefits include 100% company-funded health and life insurance for employees and immediate family members, as well as parental leave. We provide professional development funds, with an annual budget of $2,000 USD per employee.
Paid time off includes 20 days of vacation. Other perks include:
- Meal allowance (R$ 50.00 per day)
- Home office allowance (R$180,00 monthly)
- Monthly mobility allowance (R$400)
- One-time reimbursement for home office equipment (up to $250 USD) and noise-canceling headphones (up to $200 USD)
- Wellness activity reimbursement (up to $500 USD annually)
- Phone finance incentive (up to $500 USD)
- Annual budget of $2,000 USD for a co-working travel perk
Frequently Asked Questions
PayJoy provides secured credit, point-of-sale financing for smartphones, and credit cards. They enable customers to purchase smartphones with weekly payments over 3-12 months, without requiring a credit card or bank account. They also offer cash loans or a credit line to eligible customers.
Employee benefits include market-competitive compensation, 100% company-funded health and life insurance for employees and immediate family members, parental leave, and professional development funds (up to $2,000 USD annually). Other perks include paid time off (20 days of vacation), meal allowance, home office allowance, monthly mobility allowance, one-time reimbursement for home office equipment and noise-canceling headphones, wellness activity reimbursement, a phone finance incentive, and a co-working travel perk (up to $2,000 USD annually).
PayJoy’s work culture emphasizes collaboration, diverse perspectives, and the belief that bold ideas can come from anywhere. The company encourages rapid learning, professional growth, and healthy work-life balance. Principles guiding the culture include ownership, finding solutions together, open communication, transparency, focus on scale, embracing diversity, speed, and active listening.
PayJoy was founded in 2015.
PayJoy is active in the Consumer Finance, Mobile, Data Science, Emerging Markets, Nextbillion, and Access markets.
PayJoy has 1001-5000 employees.
PayJoy hires in 🇧🇷 Brazil, and 🇲🇽 Mexico.
Yes! PayJoy is actively hiring with 1 open remote job available now.
Yes, PayJoy is a remote-first company.
PayJoy's website is www.payjoy.com .
You can find PayJoy on X (Twitter) and LinkedIn .
1 remote jobs at PayJoy
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