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Buy now, pay later, build credit.

Our mission is to make everyday purchases more accessible and help you build credit along the way.

  • No credit check required
  • Shop 1,000+ top brands
  • Small payments from your paycheck
  • A simple way to build credit

App preview screenshots
A new way to build credit

Increase your credit score by an average of
39 points* with Perpay!

Shop your favorite brands

Use your personalized Spending Limit to shop for the things you want and need in our online marketplace.

Make automatic payments

Kick back and relax while you automatically pay over time for your order with a small amount from each paycheck.

Build account history

Each on-time payment helps you build your history. You can see your credit score increase after just 4 months!

Grow your credit score

As you use Perpay over time, we will continually apply your history towards helping you build credit.

Join the 3 million+ members that see their paycheck differently
"I was able to get approved for a good amount when other apps wouldn't. I particularly like how they deduct payments directly from my paycheck! It makes it extremely easy and hassle-free. They are deducting it over eight paychecks so I don't even realize it's being deducted! I would definitely recommend to friends and family and have already."
- Preston C., Google Play
“I just want you guys to know how much I enjoy using Perpay. It helps me purchase things that I wouldn’t be able to afford otherwise. I have recommended your site to several of my friends and hope it continues to grow.”
- Joseph S.
"I have never done business with a more understanding, patient, and cooperative company such as this one. Thanks so much for all you have done for me and my family this past year. I'll be sure to spread the word and bring you some more business from people that work with me that love to shop online just like me."
- Christina. W.
“Perpay is a great way to get amazing products and not pay all upfront. I was able to get Christmas and birthday done in no time and got some much needed things for our house. Even my husband loves shopping on the app”
- Droptop1, iOS app store
"I just want to say that I am so grateful to have found Perpay! It has allowed me to purchase so many things for my home without having to pay upfront and my spending limit has steadily increased with no problem!"
- Shawntye F
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☆ ☆ ☆ ☆ ☆ 2.2K Ratings
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☆ ☆ ☆ ☆ ☆ 2.1K Ratings
Here's a preview into some of the
brands we carry!
Apple
Beats
Nintendo
MCM
Ashley
Samsung
Kitchenaid
Michael Kors
Access your spending limit and start shopping in 60 seconds.