We believe everyone deserves a chance to improve their financial future.

We’re dedicated to building simple and inclusive financial products that help our members create healthy habits and achieve economic stability.

Where we started…

Perpay launched in 2017 with the belief that creating healthy habits is the best way to achieve financial stability, so we set out to transform borrowing behavior by building products powered by payroll direct deposit.

Inspired by our growing community and our mission to expand access to financial services, we remain committed to providing solutions that help our members improve their quality of life.

Products Powered by the Paycheck

Shop the Perpay Marketplace

Unlock a personalized Spending Limit, shop top brands, and pay over time with no interest or fees.

Swipe the Perpay Credit Card

Access credit for everyday purchases, make easy payments that build credit, and earn 2% rewards.

Build credit with Perpay+

Opt in to have your Perpay Marketplace payment history reported to all 3 credit bureaus and build credit.

Products powered by your paycheck

Where we are today...

Perpay team members
(+ 1 office dog)
As of January 2024
Perpay Members
As of January 2024
Total products sold on the Perpay Marketplace
As of January 2024
Credit Card rewards earned by our members
As of January 2024

Meet the people powering Perpay

Alex Miller
Chief People Officer
Chris DiMarco
Founder and CEO
Arik Misler
Chief Technology Officer
Chris DiMarco
Founder and CEO
Clayton Gladdis
Chief Compliance Officer
Morgan Salmon
Chief Product Officer
Nicholas Petrides
Chief Growth Officer
Zachary Binkley
Chief Strategy Officer
Andy Newcomb
Dave Hayne
Founder, Director
Harry Cherken Jr.
Josh Kopelman
Ralph Schipani
Richard Vague

We're Hiring!

Our greatest strength is our team and we’d love for you to join us!
View open roles

Tour our office

Our team

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 45,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 36 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed.

1 Earn rewards each time you make a payment towards your balance on the Perpay Credit Card. All rewards are earned in the form of Perpay Marketplace credits. See our Perpay Credit Card Rewards Program Terms for more details.

2 Subject to credit approval. Not available to residents of California or New Hampshire. The Perpay Credit Card is powered by Deserve, Inc. and issued by Celtic Bank, a Utah-chartered industrial bank, Member FDIC.

© Perpay Inc., 2024