PayJoyfor Android

PayJoy is a free-to-use financial platform. It operates much like an online loan app, although it only works for smartphone purchases. This was designed to help people across the world in getting a new smartphone on an installment basis. The same device is used as collateral for the loan.

PayJoy only works on certain territories, and even then, depends on the platform’s partnership with local dealers. As for the app, it works well for managing applications and reminding. Be warned that its system is designed to lock phones that violate its payment terms until the outstanding balance is paid.