Thousands of 5-star reviews

Trusted by millions of members

Get up to $1,000 to spend now. Build credit by paying it back automatically each time you get paid.
Geometric shapeGeometric shapeGeometric shape

TRUSTED BY INDUSTRY LEADERS

What customers 💙 about Perpay

"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
Credit Building
“Perpay has helped me tremendously with my credit. In a year, my score went up 200+ points. My spending limit has doubled since starting. I highly recommend this app.”
Bluemegatron85
via iOS App Review
Marketplace
“The best secret to buying expensive items at low affordable prices. I have been able to purchase much needed items without breaking the bank. The payments are affordable and come right out my paycheck.”
Carmona M.
via TrustPilot
Credit Card
“I absolutely love the Perpay Credit Card. I can make purchases anywhere, and payments come out of my paycheck automatically so I don’t stress about missing payments.”
Charles L.
via VideoAsk
Credit Building

“Perpay has helped me tremendously with my credit. In a year, my score went up 200+ points. My spending limit has doubled since starting. I highly recommend this app.”

Bluemegatron85
via iOS App Review
Marketplace

“The best secret to buying expensive items at low affordable prices. I have been able to purchase much needed items without breaking the bank. The payments are affordable and come right out my paycheck.”

Carmona M.
via TrustPilot
Credit Card

“I absolutely love the Perpay Credit Card. I can make purchases anywhere, and payments come out of my paycheck automatically so I don’t stress about missing payments.”

Charles L.
via VideoAsk

You can take our word, but we’re also mentioned in

"A 'white knight' alternative to rent-to-own vendors that cater to vulnerable consumers, often charging them extremely high interest rates and fees."
"The service is run by a Philadelphia-based firm that works without the need for credit or debit cards, checking accounts, credit ratings, or other familiar intermediaries–even if customers have dings on their credit records, as tens of millions do."
"The team isn’t only helping people buy the things they need; it is becoming a true financial partner, working with customers to help them achieve their long-term goals."

© Perpay Inc., 2025