Imagine if your paycheck could build your credit

Get up to $1,000 to spend now. Build credit by paying it back automatically each time you get paid.4
Join Perpay
4.5
Apple App Store
(6k reviews)
Certified B Corporation
Certified B Corporation
4.5/5
Apple App Store
(6k reviews)
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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.
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

Shop the Perpay Marketplace1

Buy the things you want and pay over time.
Learn more

Swipe the Perpay Credit Card2

Finally, a credit card that actually works for you.
Learn more

Top benefits

On time, every time

Don’t stress about due dates. Make manageable payments automatically 3 through your paycheck.

Sign up risk free  

Build your credit

See your credit score increase by 32 points (on average) within the first 3 months.4

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
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App 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
iOS App Review
"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App 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
iOS App 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. 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 Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire. The Perpay Credit Card is issued by Celtic Bank. 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.

3 With automatic transfers enabled on the Perpay Credit Card.

4 The credit score (VantageScore 4.0) increase of 32 points is based on the average of approximately 80,000 Perpay+ customers with a baseline credit score of 550 or below during the first three months 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.

5 See our Cardholder Agreement for details on fees and interest for the Perpay Credit Card.

© Perpay Inc., 2025