Perpay | Buy Now, Pay Later, Build Credit.

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

Join Perpay

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 6 million + members that see their paycheck differently

"BEST APP EVER!!!!!It helped me tremendously with my credit. I would highly recommend if you’re looking to help your credit score."
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- Bluemegatron85, iOS App Review

"Beyond happy with all my products so far.. not to mention my credit score has gone up almost 70 points in 6 months!!"
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- deepseeper, iOS App Review

"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly! I will recommend to anyone!!
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- shaywill210515, iOS App Review

“Probably one of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic.
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- Darkpegs Gaming, Google Play Review

Join Perpay

See what people are saying

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On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®. *Based on results observed across more than 5,000 Perpay+ members, customers enrolled in credit building starting in November 2020 observed an average credit score (VantageScore 4.0) increase of 39 points by April 2021. Individual results may vary. Credit score improvement is not guaranteed.