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
28 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 payment history

Complete one order of $500 or more to qualify for credit building with Perpay.

Grow your credit score

Activate credit building and get rewarded with each payment you make!

Inc. 5000 Badge
2.2K Ratings
2.1K Ratings
Here's a preview into some of the
brands we carry!
Michael Kors
Access your spending limit and start shopping in 60 seconds.