Company
Payjoy
PayJoy offers phone financing and credit for all.
Also known as PayJoy Inc.
- Status
- Operatingas of 2026-09-18
- Business model
- B2C
- Headquarters
- San Francisco, California, United States
- Founded
- 2015
- Customers
- underserved customers in emerging markets
- Legal name
- PayJoy Inc.
- payjoy.com (opens in a new tab)
- LinkedIn (opens in a new tab)
- Press page (opens in a new tab)
- Careers (opens in a new tab)
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Record updated 18 September 2026
About
As the global middle class moves mobile, we saw an opportunity to provide financial freedom for a new generation. We empower our users to access financial services and carve a route into the formal financial system, even with no bank account or formal credit history.
Funding snapshot
- Total raised
- $140MSum of rounds, as of 2026-09-18Source (opens in a new tab)
- Latest round
- Debt, $140M2025-12-02
Funding rounds
- Debt
- $140M2025-12-02, Company stated
- Round, 2023
- $38.9M2023-06-30, SEC form D sold, 58 investors
- Round, 2023
- $14.8M2023-05-25, SEC form D sold, 23 investors
- Round, 2018
- $1M2018-04-30, SEC form D sold, 2 investors
- Round, 2017
- $6M2017-06-01, SEC form D sold, 19 investors
- Round, 2016
- $10.5M2016-06-30, SEC form D sold, 37 investors
- Round, 2016
- $5.7M2016-06-30, SEC form D sold, 10 investors
- Round, 2015
- $1M2015-12-16, SEC form D sold, 9 investors
- Round, 2015
- $1.7M2015-06-16, SEC form D sold, 20 investors
Products
- Web
- PayJoy Card
- Web
- Phone Financing
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