PAYJOY INC. PAYJOIE INC.

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. PayJoy offers a financing option for customers to purchase smartphones without a credit card, allowing payments over 3-12 months. PayJoy is a mission-driven financial services provider committed to empowering underserved customers in emerging markets to achieve financial stability. PayJoy enables people without credit in emerging markets to purchase a new smartphone on installment and subsidy plans by using their smartphone as collateral. PayJoy gives you credit with few requirements and in minutes.