Get a new phone today!
Join Millions of happy customers by applying for your Smartphone today. Pay a small deposit and the rest over 3, 6 or 9 months.
- No bank account? No problem!
- Affordable phone rental.
- Compatible with the best brands.
PAYJOY Qualification Requirements
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Identification: A valid South African ID or passport is required.
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Upfront Payment: A small deposit is usually needed before you can take the phone.
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Proof of Address (sometimes): In certain cases, you may be asked to provide proof of residence.
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No Bank Account or Payslip Needed: PayJoy is designed for people without traditional banking access or formal credit history.
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Flexible Payment Options: You can repay over 3, 6, or 9 months with weekly or monthly installments.
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Phone as Collateral: If payments are missed, the phone locks until payments resume, reducing risk for both sides.