Big Brands.
Small Payments.
Make Life's Purchases 
to Manage
Buy Better
You work hard. Buying the quality products and brands you love for the people you love should be simple and stress-free.
Budget Better
To us, you're more than your credit score. We use income information you provide to customize a spending limit and budget for you.
Live Better
With small, easy payments made automatically from your paycheck, you never have to worry about missing a payment.
How Perpay Works
Your Spending Limit

Answer a few simple questions to access your Spending Limit, which can range from $500 - $2,500.

Shop Perpay

Choose from thousands of your favorite products and premium brands.

Sit Back & Relax

We ship your order after we receive your first payroll direct deposit.

8 Easy Payments

Pay for your order with a small amount from each paycheck. Your Spending Limit increases with each purchase!

Sign up in 60 seconds and see your spending limit.
500 brands. 8 easy payments.