Shop, build credit, pay over time with your paycheck.

We make everyday purchases more accessible and help you build credit along the way.
Join Perpay
Geometric shapeGeometric shapeGeometric shape

Shop the Perpay Marketplace1

Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

Take Perpay on the go

Swipe the Perpay Credit Card2 anywhere Mastercard is accepted. Earn 2% rewards3 to shop your favorite products and brands on the Perpay Marketplace.

Build Credit with Perpay

With automatic payments from your paycheck, Perpay makes it easy to build positive credit history. See your credit score increase by 36 points (on average) within the first 3 months.4

Join the millions of Perpay members that 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. Applying for a Perpay account will not affect your FICO® score. However, we may obtain information from Clairity 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® score. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.

3 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.

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 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.

© Perpay Inc., 2026