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PayJoy

PayJoy

Private
San Francisco, CaliforniaFinTechhttps://www.payjoy.com/

Last Round

Debt

Dec 2, 2023

Total Funding Raised

$479.29M

Momentum

Top 25%

of companies Caplight tracks

Company Overview

PayJoy is a consumer finance company that provides accessible smartphone financing and installment payment solutions for individuals in emerging markets.

Sector

FinTech

Verticals

Lending & Credit, BNPL, Credit Scoring, Point-of-Sale

Business Model

B2B2C

Customer Profile

Payment Processing Fee, Subscription SaaS, Services & Consulting

AI Layer

Application

Keywords

buy now pay laterBNPLdevice financingpoint-of-sale financingconsumer creditunderbanked lendingfinancial inclusionalternative credit scoringembedded financeemerging markets fintechsmartphone lockingfintech for the unbankeddigital lendingcredit-as-a-servicemobile credit app

Historical Pricing

Historical view of private secondary pricing and transaction trends.

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Caplight Momentum Score

Proprietary index based on bid/ask volume and sentiment.

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PayJoy Comparables

Compare PayJoy with similar companies based on industry and business-model similarity.

PayJoy comparables — related companies by embedding similarity
CompanySimilarityMarket Cap
Kueski
87%
KrediYA
84%
Crediminuto S.A.S.
84%

PayJoy Funding Rounds

Historical fundraising activity

Data table
RoundDateAmount RaisedValuationInvestorsSources
DebtDec 2, 2023
DebtSep 5, 2023
Growth EquityMay 25, 2023
DebtDec 21, 2020
Series BMay 23, 2019
Series B
Apr 24, 2019

Key People

Founding team and executive leadership

Gib Lopez

Co-Founder & COO

Founding Team

Doug Ricket

Founder & CEO

Founding Team

Bharath Ramarathinam

Chief Technology Officer

Executive Team

Bill Yialamas

Chief Financial Officer

Executive Team

PayJoy Investors

Notable investors and investment history

PayJoy investors
InvestorRounds
Red Swan VenturesSeries A, Seed
Greylock PartnersDebt, Seed, Series B
Citi VenturesDebt
Plug and Play Tech CenterSeries A
Union Square VenturesDebt, Series B, Series A
Neuberger BermanDebt
Bullpen CapitalSeries A

Market signals

Structured signals derived from secondary market and firmographic data.

  • Apr 6, 2026

    Iván Canales appointed as the new Chief Revenue Officer.

  • Apr 2, 2026

    Operations confirmed in the Philippines.

Recent news

Latest coverage and updates

  • recognized_asJul 23, 2026

    PayJoy, Inc recognized as one of the World's Top FinTech Companies of 2026 on Jul 23rd '26.

PayJoy Filings

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PayJoy filings preview — column headings only; records require access
TypeDateAmount OfferedAmount SoldFilingPagesDownload

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Frequently Asked Questions

Common questions about PayJoy's valuation, stock price, and market status.

Is PayJoy a public or private company?

PayJoy is a private company.

What is the current stock price of PayJoy?

PayJoy is a private company with no public stock price. No recent secondary market data is available.

How much is PayJoy worth (valuation)?

Valuation information for PayJoy is not publicly available.

Can I buy PayJoy stock?

PayJoy shares may be available on secondary markets subject to transfer restrictions. Caplight facilitates secondary market transactions for accredited investors. Visit https://www.caplight.com to learn more.

When was PayJoy's last funding round?

PayJoy's most recent funding round was Series C on September 5, 2023.

Who are the main investors in PayJoy?

Key investors in PayJoy include Red Swan Ventures, Greylock Partners, Union Square Ventures, Mouro Capital, Warburg Pincus.

Will PayJoy IPO soon?

No public IPO plans have been announced for PayJoy.

How can I track PayJoy secondary market activity?

Caplight tracks bids, offers, and trades for private companies. Visit https://www.caplight.com to monitor PayJoy's secondary market activity and sign up for updates.

Firmographic Details

HeadquartersSan Francisco, California
Employee Range2,090
Year Founded2015
Last FundingDec 2, 2023

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