PayJoy provides smartphone-enabled consumer financing solutions.

PayJoy is bringing consumer finance to people who otherwise could not afford modern electronics such as smartphones. Today, their unique locking technology and data science enables us to offer smartphone financing to underbanked people in the U.S. and Mexico, and they are now expanding in Africa, India, Asia, and Latin America. Their ambition is to deliver affordable consumer finance to 1 billion people worldwide. The company, based in San Francisco, California, was founded in 2015 and is funded by top fintech investors.

Founders:  Doug Ricket, Gib Lopez, Mark Heynen, Tom Ricket