PayJoy
Phone financing and credit lines for consumers in emerging markets, including people without formal credit histories
Highlights
- New on EvolcAdded 2026-11-14
About PayJoy
PayJoy provides smartphone financing and credit lines, using alternative-data credit scoring and smartphone collateral technology. Its products include phone financing and the PayJoy Card.
The company serves consumers in emerging markets, including people without bank accounts or formal credit histories. PayJoy was founded in 2015 and is headquartered in San Francisco; its jobs span locations including Mexico City, Bogotá, Lima, Johannesburg, Jakarta, Bangalore and Manila.
Product: Smartphone financing, consumer credit lines and the PayJoy Card, supported by alternative-data credit scoring and device-lock technology.
Jobs at PayJoy
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Website technologies
Tools and platforms detected on this company’s website, grouped by purpose. Dates record when Evolc observed them.
Analytics
- Google Tag ManagerMedium confidence
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- Integration code on pageinline script loader
- HotjarMedium confidence
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- Integration code on pageinitialization/configuration expression
- Integration code on pageinitialization/configuration expression
- Integration code on pageinitialization/configuration expression
Content management
- WebflowHigh confidence
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- Website resourcedeclared script/iframe or software asset
Hosting
- AWSHigh confidence
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- Website resourcedeclared script/iframe or software asset
- nginxHigh confidence
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- Response headerserver
- Response headerserver
- Response headerserver
Privacy & consent
- OsanoMedium confidence
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Detection evidence
- Integration code on pageinline script loader
Website detection does not establish a paid subscription or company-wide use. Tools loaded after consent or sign-in may be missed. “No longer observed” does not prove the company stopped using a tool.