Over a billion people would love a way to pay for electronics over time, and PayJoy’s technology makes that possible.  We change up-front purchases into pay-as-you-go monthly installment plans. Our unique technology locks devices unless a monthly payment is made, thereby improving customer payment rates. This allows us to offer financing for hundreds of billions of dollars of products such as smartphones, TVs, refrigerators, air conditioners, bringing a middle class lifestyle to people around the world for the first time.