About PayJoy
PayJoy is a company based in San Francisco (United States) founded in 2015. PayJoy has raised $204.62 million across 12 funding rounds from investors including Citi, ITOCHU and Warburg Pincus. PayJoy offers products and services including Get a Phone, Get Credit, and Get a Loan. PayJoy operates in a competitive market with competitors including Klarna, Afterpay, Akulaku, Zip and Sunbit, among others.
- Headquarter San Francisco, United States
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Sectors
Financial Services
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Phone
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Website
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Social
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- Legal Name Payjoy India Private Limited
- Date of Incorporation 01 Nov, 2019
- Jurisdiction Bengaluru, Karnataka, India
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Annual Revenue
$375.31 K (USD)-27.88as on Mar 31, 2022
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Net Profit
$33.59 K (USD)-33.08as on Mar 31, 2022
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EBITDA
$178.02 K (USD)-5.91as on Mar 31, 2022
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Total Equity Funding
$204.62 M (USD)
in 12 rounds
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Latest Funding Round
$140 M (USD), Debt – Conventional
Dec 03, 2025
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Investors
Citi
& 18 more
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Employee Count
Not available
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Products & Services of PayJoy
PayJoy offers a comprehensive portfolio of products and services, including Get a Phone, Get Credit, and Get a Loan.
Enables smartphone purchase on credit with weekly payments.
Offers quick credit approval via app without bank account.
Provides loans for personal use in emerging markets.
People of PayJoy
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Funding Insights of PayJoy
PayJoy has successfully raised a total of $204.62M across 12 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $140 million completed in December 2025. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
Investors in PayJoy
PayJoy has secured backing from 19 investors, including institutional, venture fund, and angel investors. Prominent investors backing the company include Citi, ITOCHU and Warburg Pincus.
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Multi-stage private equity investments are pursued across diverse sectors.
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Long-term private equity investments in transformational opportunities are pursued.
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Venture capital firm focused on blockchain, wellbeing, and multiple sectors
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Investor details for PayJoy
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Investments & Acquisitions by PayJoy
Investment portfolio details for PayJoy
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Financial Statements - PayJoy
Detailed financials for PayJoy
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Payjoy Comparisons
Peer comparison for PayJoy
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- Named peers
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Competitors of PayJoy
PayJoy operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Klarna, Afterpay, Akulaku, Zip and Sunbit, among others.
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Point-of-sale financing is facilitated through an online platform for purchases.
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A buy now pay later service is offered by Afterpay.
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Point-of-sale financing is provided for various consumer products via installments.
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Payment solutions are provided for deferred purchasing by Zip.
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Point-of-sale financing is facilitated via an online platform for retailers.
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Merchandise financing is offered through partner stores.
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Detailed competitors of PayJoy
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Latest news on Payjoy
Complete news archive for PayJoy
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Frequently Asked Questions about PayJoy
PayJoy was founded in 2015.
PayJoy is headquartered in San Francisco, United States. It is registered at San Francisco, California, United States.
PayJoy is a funded company, having raised a total of $204.62M across 12 funding rounds to date.
Annual revenue of PayJoy is $375.31K as on Mar 31, 2022.
PayJoy provides an online platform for purchase financing. It facilitates finance for consumer electronics, changing an up-front purchase into a monthly installment plan. This applies to everything from televisions and smartphones to microwaves and air conditioners. Customers register for PayJoy at a local merchant with their Facebook account, phone number, and government-issued I.D.
PayJoy offers Get a Phone, Get Credit, and Get a Loan.
PayJoy has 19 investors. Key investors include Citi, ITOCHU, Warburg Pincus, Western Technology Investment, and Invus.