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PayJoy Overall rating: ★★☆☆☆ 1.8 based on 15 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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PayJoy offers a wide range of affordable and flexible financial services for business. They enable consumers with no bank accounts or good credit history to purchase smartphones on installment payments and receive cash loans. The company does so by turning the smartphone into collateral through software that locks the phone when clients do not make payments. The mobile secure API ensure that each transaction is safe and secure. PayJoy is based in San Francisco, California, and was founded in 2015, Today, the business is profitable and growing quickly. The company’s mission is “to deliver access to credit to the next billion people in emerging markets worldwide.”

Company name PayJoy
Founded 2015
Address 655 4th St, San Francisco
Phone number (888) 360-5651
payjoy site


  • Direct lender
  • Loans up to $5,000
  • Offer multiple products
  • Mobile app
  • No late fees charged
  • Approved in minutes
  • No credit checks
  • Build your credit


  • High interest rates
  • Poor customer support
  • Many complaints
  • Not BBB accredited
  • Only serves San Francisco

Bottom line

PayJoy could help you to get a loan fast. They do not perform credit checks and charge no late fees. With PayJoy, you can borrow any amount from $1,000 to $5,000 and access your money within minutes. By making payments on time, you can build your credit fast. But if you reside outside San Francisco, you will have to search elsewhere.

Types of loans

PayJoy offers access to the following products:

  • Installment Loans
  • Cash Loans

Installment loans are paid back over a set period of time in fixed installments. The amount you are eligible for will depend on your eligibility.

Eligibility criteria

In order to get approved for a loan with PayJoy, you must meet a few requirements:

  1. You need to be at least 18 years.
  2. You must be a US citizen or permanent resident.
  3. You must provide proof of address no older than 3 months.
  4. Be employed and provide proof of income.
  5. You need a valid bank account, email and phone number.

Category: Online Loans

Tags: California

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PayJoy Reviews

They never answer their phones!! Their call centre s*cks!! I can’t even change my payment plan on the app. Not recommended!
- Jasmin Batz

The worst customer service ever!!
- Abigail Murray

Thanks to the lady on the phone!! After terrible customer service, she was able to fix the error and ensure me that everything will be fine.
- Pat Wyman

Their service is good only when you take a phone on credit BUT if you have any issue regarding this phone, they will ignore you! IN FACT, THEY DO NOT HAVE ANY CUSTOMER SERVICE!!!!!
- Alexis Hane

PayJoy is a scam!! i really hate their staff! they dont even answer their phone .i cannot recommend Payjoy to anyone. BEWARE!!!
- Joshua Greenholt:

It always takes an eternity to get a respond to my question…
- Deon Rohan

Great service, would recommend it to everyone.
- Josefa Heller

Easy to use, prompt response and no hidden fees
- Anabelle Torphy

I had an issue with loan repayment and asked for assistance but nobody was able to help me. So disappointed
- Clara Rice

No response to calls and emails . i don’t think i will recommend payjoy to anyone . :(
- Wilton Greenfelder

The customer service is awful – you sit on hold until you exhaust your patience ..
- Jadon Hessel

Terrible!!! no calls answered, no email response. Stay away from Payjoy!
- Sabryna Hane

Such a terrible service, I received false information from the consultant. Now when I try and call them to fix the error they are avoiding me and resuse to help!! Worst company!
- Kristin Walker

If I could give them a zero rating it would. I cant even give 1 star because there is no service at all.
- Luciano Ferry

- Keaton Schiller

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