Help Center

To be eligible for a PayInJoy loan, you must:

• Be at least 18 years old
• Have a valid Tanzanian ID
• Have a stable source of income
• Provide proof of residence
• Have a working mobile number

Additional requirements may apply based on the phone model and loan amount.

The application process typically takes 24-48 hours for review. Once approved, phone delivery occurs within 3-5 business days. The complete timeline is:

• Application submission: Immediate
• Document verification: 1-2 business days
• Approval decision: 24-48 hours
• Phone delivery: 3-5 business days after approval

You'll need to provide the following documents:

• Valid National ID, Passport, or Driver's License
• Recent passport-style photograph
• Proof of income (pay slips, bank statements, or employer letter)
• Proof of residence (utility bill or rental agreement)
• Recent bank statement (if applicable)

All documents should be clear and legible.

Payment frequency changes are possible but subject to approval. You can request a change by contacting our customer service team. Please note:

• Changes may affect your monthly payment amount
• Administrative fees may apply for frequency changes
• Changes are typically processed within 3-5 business days
• Not all frequency options may be available for existing loans

If you miss a payment, we encourage you to contact us immediately. Our policy includes:

• Grace period of 7 days for late payments
• Late fee of 5% of the installment amount after grace period
• Multiple missed payments may affect your credit score
• Persistent non-payment may result in device repossession

We offer payment plans for customers experiencing financial difficulties.

Once your loan is approved, we follow this delivery process:

• You'll receive a confirmation call within 24 hours of approval
• Phones are shipped via our trusted delivery partners
• You'll receive tracking information via SMS and email
• Delivery requires signature confirmation
• Standard delivery takes 3-5 business days

Express delivery options may be available for an additional fee.