PayJoy is a financial services company based in San Francisco, California, dedicated to providing accessible financing solutions to underserved customers in emerging markets. The company focuses on enabling individuals without bank accounts or formal credit histories to access credit and build financial stability through innovative technology.

As a Public Benefit Corporation, PayJoy uses patented technology to turn smartphones into digital collateral, allowing customers to purchase smartphones on credit with just an ID and phone number. Their core offerings include smartphone financing, a revolving line of credit in Mexico, and the PayJoy Card, which facilitates online and in-store purchases without hidden fees. PayJoy has served over 15 million customers across eight countries, emphasizing ethical lending practices and financial inclusion. The company aims to improve financial well-being sustainably while maintaining strong ethical standards.