PS
Payjoy SA (Pty) Ltd
Verified Business
PS
Scores reflect the Overall AI Score for each category
Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Payjoy SA shows a sharply divided customer experience. Praise centres on named agents who guide customers patiently through applications and queries, while frustration dominates around exorbitant interest, failed contract cancellations, incorrect credit bureau listings, and locked devices after payment. Trust and billing transparency emerge as the most damaging concerns, undermining otherwise positive frontline service interactions.
TrustIndex
5.4
Ranking
#15
in Loans & Credit
NPS Score
-13
Recommended: Unlikely
Jul '25 - Jun '26
Based on recent customer reviews, Payjoy SA shows a sharply divided customer experience. Praise centres on named agents who guide customers patiently through applications and queries, while frustration dominates around exorbitant interest, failed contract cancellations, incorrect credit bureau listings, and locked devices after payment. Trust and billing transparency emerge as the most damaging concerns, undermining otherwise positive frontline service interactions.
Payjoy SA (Pty) Ltd's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Customers repeatedly name agents like Nkosinathi Ndlela, Ayanda Mntambo, Manolo, Kamogelo, and Jessica as patient, knowledgeable, and going the extra mile. Positive reviews highlight step-by-step guidance during applications and empathetic problem-solving on WhatsApp and calls (6.0).
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2020
PayJoy SA - Hidden Costs, Misleading Sale, Refused Cancellation I bought a phone through PayJoy at TotalSport 2 days ago. At no point was I told this was a rented phone or that I would pay more than double the cash price. Cash price of the phone: R8,000 PayJoy total I’m now locked into: R17,700 Upfront paid already: R1,040 after being told to pay R1,859 within 7 days I returned the phone today to TotalSport. No scratches, no damage, unused. The store manager was helpful, but PayJoy refused to cancel. Before going to the store, I called PayJoy customer service. They said I must give 30 days notice AND still pay. I told them I never signed any form and no one told me this was a rental agreement. I was kept waiting over 2 hours for a call back that never came. They make the process impossible so you give up. When you return the phone, you don’t get your money back. So I lose R1,040 for a phone I had for 2 days. This is misleading. The total cost is hidden. No proper disclosure was done in store. I want this contract cancelled immediately and my R1,040 refunded. PayJoy is taking advantage of people. Never buy anything from PayJoy - they double the amount and hide the information.
1 reviews | Active since Jan 2020
PayJoy SA - Hidden Costs, Misleading Sale, Refused Cancellation I bought a phone through PayJoy at TotalSport 2 days ago. At no point was I told this was a rented phone or that I would pay more than double the cash price. Cash price of the phone: R8,000 PayJoy total I’m now locked into: R17,700 Upfront paid already: R1,040 after being told to pay R1,859 within 7 days I returned the phone today to TotalSport. No scratches, no damage, unused. The store manager was helpful, but PayJoy refused to cancel. Before going to the store, I called PayJoy customer service. They said I must give 30 days notice AND still pay. I told them I never signed any form and no one told me this was a rental agreement. I was kept waiting over 2 hours for a call back that never came. They make the process impossible so you give up. When you return the phone, you don’t get your money back. So I lose R1,040 for a phone I had for 2 days. This is misleading. The total cost is hidden. No proper disclosure was done in store. I want this contract cancelled immediately and my R1,040 refunded. PayJoy is taking advantage of people. Never buy anything from PayJoy - they double the amount and hide the information.
1 reviews | Active since Jan 2020
I "bought" a phone for my son today using Payjoy. When reviewing the contract I noticed that it is a lease agreement and not a credit agreement. Furthermore clause 18 states that at the end of the agreement I must buy the phone from Payjoy at a market related or return it to them. This was not how I understood it and this clause was never explained to me by the salesperson at Incredible Connection. So for a phone that costs R2799 I am going to pay more than R6000 rand during the 9 months payment period, and then I still have to buy it from Payjoy. I have been misled, I think this is a legal ****. Also, the advertising is misleading, making it sound like a credit agreement when it is actually a lease/rental agreement.
1 reviews | Active since Jan 2020
I "bought" a phone for my son today using Payjoy. When reviewing the contract I noticed that it is a lease agreement and not a credit agreement. Furthermore clause 18 states that at the end of the agreement I must buy the phone from Payjoy at a market related or return it to them. This was not how I understood it and this clause was never explained to me by the salesperson at Incredible Connection. So for a phone that costs R2799 I am going to pay more than R6000 rand during the 9 months payment period, and then I still have to buy it from Payjoy. I have been misled, I think this is a legal ****. Also, the advertising is misleading, making it sound like a credit agreement when it is actually a lease/rental agreement.
1 reviews | Active since Jan 2020
I trust Payjoy SA (Pty) Ltd, they are patient and loyal to their customers
1 reviews | Active since Jan 2020
I have lodged a formal ***** and identity theft complaint regarding a PayJoy account that appears on my Experian credit profile. I discovered on 9 May 2026 that a PayJoy account was opened on 25 March 2026 using my identity details without my knowledge or consent. Facts: • I have never opened or app**** for any PayJoy account. • The account was allegedly opened in Cape Town, where I do not reside and have not conducted this transaction. • The *****ster appears to have used my old green barcoded ID book. • I have used a Smart ID card since 2014, and my current Smart ID reflecting my new surname was issued in January 2026. • I have already submitted an affidavit, a copy of my Smart ID, and a picture of holding my ID. Despite this, your team has failed to properly assist me and has refused to provide documents required by SAPS to open and investigate this ******** case.The police require: 1. An account statement/invoice showing the amount owing; 2. The address/location of the Mr Price store where the account was opened; 3. Supporting account opening documents used to approve this account. They provided a customer rental agreement and ID copy, however: The ID photo is not mine • the agreement contains no proper initials on the pages; • it lacks valid signatures on the agreement pages; • the only “signature” appears to be a typed signature on the final page, which strongly indicates ***** and invalid consent.
1 reviews | Active since Jan 2020
I have lodged a formal ***** and identity theft complaint regarding a PayJoy account that appears on my Experian credit profile. I discovered on 9 May 2026 that a PayJoy account was opened on 25 March 2026 using my identity details without my knowledge or consent. Facts: • I have never opened or app**** for any PayJoy account. • The account was allegedly opened in Cape Town, where I do not reside and have not conducted this transaction. • The *****ster appears to have used my old green barcoded ID book. • I have used a Smart ID card since 2014, and my current Smart ID reflecting my new surname was issued in January 2026. • I have already submitted an affidavit, a copy of my Smart ID, and a picture of holding my ID. Despite this, your team has failed to properly assist me and has refused to provide documents required by SAPS to open and investigate this ******** case.The police require: 1. An account statement/invoice showing the amount owing; 2. The address/location of the Mr Price store where the account was opened; 3. Supporting account opening documents used to approve this account. They provided a customer rental agreement and ID copy, however: The ID photo is not mine • the agreement contains no proper initials on the pages; • it lacks valid signatures on the agreement pages; • the only “signature” appears to be a typed signature on the final page, which strongly indicates ***** and invalid consent.
The most common complaint about Payjoy SA (Pty) Ltd, based on Hellopeter's AI analysis of recent customer reviews, is Process Efficiency & Turnaround. Application and cancellation processes stall for months. Customers report 30-day cancellation waits while still paying, returned devices not logged, and repeated handoffs between stores and head office with no resolution (3.5).
Payjoy SA (Pty) Ltd scores 1.9 out of 5 on Hellopeter's AI analysis of service quality in Loans & Credit, compared to the Loans & Credit industry average of 2.2. Their strongest theme is Agent Quality (3); their weakest is Credit Reporting (1.3). The top AI-rated Loans & Credit business on Hellopeter is Gold Capital (4.8). How is the AI Score calculated? →
Payjoy SA (Pty) Ltd has a TrustIndex of 5.4 out of 10 on Hellopeter, based on 262 reviews in the last 12 months. Hellopeter has tracked Payjoy SA (Pty) Ltd across 645 total reviews. How is the TrustIndex calculated? →