Marketplace
Perpay Marketplace
Buy the things you need and pay over time
Unlock up to $1,000 to shop top brands in electronics, home goods, apparel, and more.
Unlock up to a $1,000 initial spending limit
Spending limits may increase over time.
Pay over time
Make payments through your paycheck with no interest or fees.
How it works
1. Shop the Marketplace
Browse top brands in electronics, home goods, apparel, and more.](/content/marketplace#w-tabs-0-data-w-pane-0/index.html)
2. Connect your payroll
Complete your order by setting up your recurring direct deposit.](/content/marketplace#w-tabs-0-data-w-pane-1/index.html)
3. Make your first payment
Automatically make your first payment the next time you get paid.](/content/marketplace#w-tabs-0-data-w-pane-2/index.html)
4. Receive your order
Once we receive your first payment, your order will ship to you.](/content/marketplace#w-tabs-0-data-w-pane-3/index.html)
5. Sit back and relax
Each time you get paid, your direct deposit payment automatically goes toward your order and can help build your credit over time.](/content/marketplace#w-tabs-0-data-w-pane-4/index.html)
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Key benefits
Sign up with no impact to your credit score
Build your credit
See your credit score increase by 30+ points (on average) within the first year.
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Access up to $1,000 in initial spending power
Pay over time with no interest or fees
Join the millions of Perpay members who see their paycheck differently
"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
1 Access to the Perpay Marketplace is offered by Perpay, Inc., and is only available to eligible consumers residing in the United States. The Perpay Marketplace is subject to credit approval. Applying for a Perpay account will not affect your FICO® or Vantage® score. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau.
2 The credit score (VantageScore 4.0) increase of 30+ Points is based on the average of approximately 50,000 Perpay+ customers with a baseline credit score of 550 or below during the first year of reporting. The same group observed an average credit score increase of 55 points over a two-year period if they maintained on time payments both on and off Perpay’s platform. Credit score improvement is not guaranteed, and individual results may vary based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®. On-time payment history can have a positive impact on your credit score. Late payments may result in payment reporting to credit bureaus that may negatively impact your credit score. This product will not remove negative credit history from your credit report. Perpay+ is only available to eligible Marketplace account holders. Fees apply. See the Perpay Terms and Conditions for more details.