Perpay+

Begin your credit building journey with Perpay+

Get up to a $1,000 spending limit reported to all 3 major credit bureaus — start building credit smarter for just $5/month.
Apply nowApply now

Add healthy credit factors to your credit profile

We report to all 3 credit bureaus to grow your credit score!

Monitor your credit score

Improve and monitor your credit score from your dashboard.
Apply now

Add healthy credit factors to your credit profile

We report to all 3 credit bureaus to grow your credit score!

Monitor your credit score

Improve and monitor your credit score from your dashboard.

How it works

1. Apply in 30 seconds1

Once approved, receive your new spending limit of up to $1,000

2. Connect your payroll

Complete sign up by setting up a recurring direct deposit of $5/month.

3. Start reporting

Your new spending limit and healthy credit factors will be reported to the bureaus within 30 days.

4. Watch your score soar

With time, your Perpay+ credit factors can improve your credit score.

5. Use your spending limit

Shop the Perpay Marketplace to use your new spending limit. Your on-time payments will then be reported to all 3 credit bureaus to level up your credit building!

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How it works

1. Apply in 30 seconds

Once approved, receive your new spending limit of up to $1,000

2. Connect your payroll

Complete sign up by setting up a recurring direct deposit of $5/month.

3. Start reporting

Your new Spending Limit and healthy credit factors will be reported to the bureaus within 30 days.

4. Watch your score soar

With time, your Perpay+ credit factors can improve your credit score.

5. Use your spending limit

Shop the Perpay Marketplace to use your new spending limit. Your on-time payments will then be reported to all 3 credit bureaus.

Key benefits

Access up to a $1,000 spending limit

We‘ll report your new healthy credit factors to all 3 major credit bureaus!

Applying will not impact your credit score1

Shop a 1,000+ brands on the Marketplace

Monitor your credit score

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

Join the millions of Perpay members who 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 Applying for a Perpay account will not affect your FICO® or Vantage® score. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau.
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2 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.

© Perpay Inc., 2025