We believe in you!
Get access to a smartphone with no bank account or formal credit history. Pay weekly or monthly over 3, 6 or 9 months. All you need is your valid SA ID – no hidden charges or interest.
All you need to apply:
Frequently Asked Questions
All that’s needed is your valid SA ID and a Small Upfront Payment. We may approve your application within minutes!
Rather than charge an interest rate or markup, the retailers simply withhold discounts for consumers who want to pay monthly.
PayJoy turns your phone into virtual security collateral. If you are late paying, you won’t be able to use your phone – this lets us offer you a low cost of financing with no late fees.
PayJoy does do a credit score check. Because your phone acts as a credit guarantee, the entrance-level requirements are low. You don’t even need a bank account. The initial deposit amount may vary according to your credit profile.
Yes, by making regular, on-time payments, customers will establish a credit history and improve their credit score.
No credit history is needed.
• No monthly service fee.
• No late interest fees.
• No initiation fee.
• Terminate the rental agreement at any point.
• No monthly service fee.
• No late interest fees.
• No initiation fee.
• Terminate the rental agreement at any point.
Within 7 days after paying the Upfront Payment.
Yes, you can.
You can only pay for one device at a time. Onc you are finished paying for one device you can apply for a new one.
In case of any default, the device shall be locked, with the inherent consequences that this involves, such as the impossibility of partial or total access to the device. Thie will be removed once the account is in good standing.
Your PayJoy device will be permanently unlocked after it has been paid in full.
You can own the phone at any time during the period by paying the remaining balance and agreed-upon option price which is agreed upon in your quotation.
PayJoy is not responsible for a lost or stolen phone, you will still be required to pay your instalments. We suggest you take insurance when applying as you would with any contract.
PayJoy does not insure your device. We suggest you take insurance when applying as you would with any contract. You can use any appropriate device insurance, or apply here: https://cellucity.co.za/device-insurance/
