PayJoy

San Francisco, California, United States1,001–5,000 employeesFinancial Services

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought 3 billion dollars in credit to 16 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.