PayJoy Email Format

Financial ServicesCalifornia, United States1001-5000 Employees

PayJoy is a financial services provider focused on extending secured credit at the point of sale to underserved customers in emerging markets, helping them enter the formal credit system. Its offerings support everyday needs and opportunities for micro-entrepreneurs, while also acting as a form of financial protection during tough times. Through risk management and anti-fraud capabilities informed by data science, the company has served nearly 20 million customers and lent close to $4 billion across nine countries.

Headquartered in San Francisco, California, PayJoy operates as a sizable player in inclusive credit within the financial services industry. In late 2025, the company expanded its international presence by launching in Indonesia through a partnership with Bank Sahabat Sampoerna. It maintains a focus on expanding access to credit and devices in emerging markets, balancing growth with risk controls.

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