Perpay

Perpay

Rated 0 stars out of 5
Write a review

Try and be the
first to rate

star

Build credit while shopping for the things you want and need with Buy Now, Pay Later interest free payments. Increase your credit score easily along the way!

Perpay United States Quick Overview

Perpay is a buy now, pay later app that lets you to split a purchase into interest-free payments that are deducted from your paycheck.

We make everyday purchases more accessible and help you build credit along the way. We believe that everyone deserves access to financial peace of mind. Our team is dedicated to building simple, transparent, and inclusive financial products that challenge typical channels of credit and improve the lives of our members.

Our mission is to make everyday purchases more accessible and help you build credit along the way.
• No credit check required
• Shop 1,000+ top brands
• Small payments from your paycheck
• A simple way to build credit

Perpay Requirements:
• Actively maintain full-time employment*
• Three months of continuous employment history with your current employer.
• Paid via direct deposit.
• Active mobile phone.
• No active bankruptcies.
• In good standing with all financial obligations.

Please note, we are currently not able to accept orders from independent contractors, gig-economy workers, or self-employed individuals (unless you own a company that pays you though a third party payroll system).

*SSI/SSDI and VA income accepted as well. For more information, please contact our team.

Here’s how it works:
1. Create your account and receive a spending limit
2. Shop our marketplace for brands like Apple, KitchenAid, and PlayStation
3. Checkout and submit your order for our Approvals Team to review
4. Approved? Nice! Our system will help you set up your payroll direct deposit
5. Choose how many payments you want to make over time
6. Your order will process for shipment when we get your first payment on your next payday
7. Payments will be processed automatically from your paycheck each payday
8. Enjoy your new item with the peace of mind of knowing your payments are set up to be made automatically until your order is paid in full.

Perpay United States Opportunities Overview

By setting up payments to come directly out of your paycheck, you get:

✔ A new way to build credit
Increase your credit score by an average of 39 points* with Perpay!

✔ Shop your favorite brands
Use your personalized Spending Limit to shop for the things you want and need in our online marketplace

✔ Make automatic payments
Kick back and relax while you automatically pay over time for your order with a small amount from each paycheck.

✔ Build account history
Each on-time payment helps you build your history. You can see your credit score increase after just 4 months!

✔ Grow your credit score
As you use Perpay over time, we will continually apply your history towards helping you build credit.

Build credit while shopping for the things you want and need. Make small payments over time with your paycheck. It's that simple. Get started now!