Perpay | Make your paycheck work harder for you.
THE PROBLEM
Today, 1 in 3 Americans has a credit score below 620. Too often, this means turning to predatory financial products that only make the problem worse.
THE SOLUTION
Payments through your paycheck
Unlock spending power based on your income and make payments over time automatically from your payroll direct deposit.
Join members who work at over 50,000 companies
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Shop the Perpay Marketplace 1
Buy the things you want and pay over time.
Swipe the Perpay Credit Card 2
Finally, a credit card that actually works for you.
Build credit with Perpay **+**4
See your credit score increase by 30+ points (on average) within the first year.4
Top benefits
On time, every time
Don’t stress about due dates. Make manageable payments automatically through your paycheck.
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Sign up risk free
Build your credit 4
with automatic payments from your paycheck.
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Transparent pricing
Pay less in the long run with no crazy fees or predatory interest.5
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
Google Play Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
Google Play Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
Google Play Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
Google Play Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
"One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
Google Play Review
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.
2 The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire, Vermont, or the U.S. Territories.
3 With automatic transfers enabled on the Perpay Credit Card.
4 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.
5 See our Cardholder Agreement for details on fees and interest for the Perpay Credit Card.