Perpay Marketplace

Buy the things you need and pay over time

Unlock up to $1,000 to shop top brands in electronics, home goods, apparel, and more.
Apply nowShop now

Unlock up to a $1,000 initial spending limit

Spending limits may increase over time.

Pay over time

Make payments through your paycheck with no interest or fees.
Shop now

Unlock up to a $1,000 initial spending limit

Spending limits may increase over time.

Pay over time

Make payments through your paycheck with no interest or fees.

How it works

Shop the Marketplace1

Browse top brands in electronics, home goods, apparel, and more.

Connect your payroll

Complete your order by setting up your recurring direct deposit.

Make your first payment

Automatically make your first payment the next time you get paid.

Receive your order

Once we receive your first payment, your order will ship to you.

Sit back and relax

Each time you get paid, your direct deposit payment automatically goes toward your order and can help build your credit over time.

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Play

How it works

Shop the Marketplace2

Browse top brands in electronics, home goods, apparel, and more.

Connect your payroll

Complete your order by setting up your recurring direct deposit.

Make your first payment

Automatically make your first payment the next time you get paid.

Receive your order

Once we receive your first payment, your order will ship to you.

Sit back and relax

Each time you get paid, your direct deposit payment automatically goes toward your order and can help build your credit over time.

Key benefits

Sign up with no impact to your credit score1

Build your credit

See your credit score increase by 32 points (on average) within the first 3 months.2

Access up to $1,000 in initial spending power

Pay over time with no interest or fees

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®  or Vantage score. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.
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3 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 40,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 32 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed. Perpay+ is only available to eligible Marketplace account holders. See the Marketplace Terms and Conditions for more details. A fee may apply.

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