Payjoy

PayJoy is a Public Benefit Corporation that aims to provide financial access to individuals in emerging markets, enabling them to acquire smartphones and other mobile technology without the need for a bank account or formal credit history. Founded by Doug Ricket in 2015, the company is dedicated to ethical lending practices, ensuring a positive impact on its customers' financial well-being.

With operations in eight countries including Mexico, Colombia, and South Africa, PayJoy offers fixed pricing and flexible repayment options, making it easier for customers to navigate the financial system. The leadership team, comprised of experienced professionals from various sectors, is committed to fostering financial stability and improving the overall customer experience.

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