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
PayJoy’s terms are transparent: what you see is what you pay. There is no interest, no late payment fees and no hidden costs.
When signing up, you will choose a 3, 6 or 9-month payment option. Your very first payment is due in 7 days, thereafter you have complete flexibility using your PayJoy app. You are able to pay for 1, 2, 3 or 4 weeks or to make a full monthly payment.
The amount you pay determines how long your phone stays unlocked for, until your next payment is due.
You can safely pay via your PayJoy app, at a PayJoy kiosk or in-store at selected retailers, using your Pay@ ID. For more ways to pay visit https://www.payjoysa.co.za/account-payment-options/
PayJoy may check your credit profile as part of the application process. Having a lower credit score does not automatically mean you won’t be approved. Our requirements are designed to be accessible, and you only need your valid South African ID to apply.
Your upfront payment amount may vary based on your credit profile.
• No monthly service fee.
• No late interest fees.
• No initiation fee.
• Terminate the rental agreement at any point.
The Joy of PayJoy is that you can pay in advance.
Your phone will stay unlocked for the amount of time that you have paid upfront.
If a payment is missed, the device will be locked, which limits access to your device. Once a payment is made, your phone will unlock immediately. Simply connect to WiFi or mobile data to access your PayJoy app and view your account status.
Making regular and timely payments towards the PayJoy device will also help improve your credit score.
After your rental agreement is successfully completed, the locking software can be removed, and ownership of the device will be transferred to you.
PayJoy is not responsible for a lost, damaged or stolen phone; you will still be required to pay your instalments. It is advisable to take insurance for the device when applying. Cellucity can assist with insurance options.
PayJoy does not insure devices. We encourage you to take out insurance for the device when applying. Cellucity does offer handset asset cover, but you are free to use your preferred insurer for the device.
