Take your phone home today.
Pay a little at a time.
PAYLATA puts smartphones within reach across emerging markets. Choose a device at a partner store, get a quick decision, and walk out with your phone — paying in flexible installments that fit your income.
The consumer finance brand of TAILAI HOLDINGS LIMITED
PAYLATA is the consumer finance brand of TAILAI HOLDINGS LIMITED, built for the next generation of connected consumers.
Device finance for the next billion consumers
For millions of people, a smartphone is a livelihood — a storefront, a bank branch, a classroom — yet the upfront price keeps it out of reach. PAYLATA, the consumer finance brand of TAILAI HOLDINGS LIMITED, combines digital products, intelligent risk decisions and local retail partnerships to make device ownership simple, fair and attainable.
Emerging Market Focus
We build for high-growth consumer markets across Africa and Latin America, with a deep understanding of local shoppers, retailers and mobile-first daily life.
Technology-Driven Finance
Data models, intelligent risk decisions and fully digital workflows make financing fast at the counter and safe over the life of every plan.
Responsible by Design
We lend prudently and operate with strong attention to regulation, data security and user privacy — because trust is the product underneath the product.
From shop counter to your pocket in three steps
No paperwork marathons. No waiting weeks. PAYLATA is built for the way people actually buy phones.
Choose your phone
Pick the device you want at a PAYLATA partner store or through a participating retailer — real choice from brands people trust.
At the counterGet a quick decision
Sign up with your phone number and ID. Our smart risk engine is built to say yes responsibly — in moments rather than days, right there in the store.
Quick decisionTake it home, pay as you go
Make your first payment and walk out with your phone. Clear the balance in flexible installments — it’s yours in full at the final payment.
Own it outrightSmartphone installments first — and everything around them
Our flagship product puts a smartphone in your hand today. Around it, we are building the everyday financial tools that keep that device useful — and keep our retail partners growing.
- ✓Fair first payment — take the phone home the same day
- ✓Flexible plans shaped around real incomes
- ✓Full ownership of the device at the final payment
Built for Africa, Latin America and other high-growth markets
We focus on markets where demand for smartphones is surging and financing options are scarce. Localized operations, retail partner networks and mobile-first technology let us meet customers on their terms — in their currency, in their language, in the shops they already trust.
The engine behind every installment plan
Intelligent Risk Decisions
Data analysis, behavioural insights and device-level signals let us say yes quickly — and keep lending responsible and sustainable.
Mobile-First Experience
Sign-up, payments and plan tracking all live in a simple app designed for entry-level devices and everyday data budgets.
Retail Partner Network
We work hand-in-hand with local phone shops, distributors and channels — the trusted places where customers already buy.
A smartphone in every hand.
A connected life shouldn’t wait for a lump sum.
PAYLATA will keep expanding device financing and the everyday financial services around it across emerging markets — connecting consumers, retailers and the digital economy through products people can actually afford.
Contact us contact@paylata.com