Perpay is a Philadelphia-based company launched in 2017 with one goal in mind: to make your paycheck work harder for you.
We know that traditional credit options don’t work for everyone. That’s why we built Perpay: to give you access to the things you need today, while helping you build credit for tomorrow.
What We Offer
Perpay Marketplace - Shop for everyday items and pay over time—right from your paycheck, with zero interest or fees
Perpay Credit Card - Use your card anywhere, with payments connected to your paycheck. On-time payments get reported to all three credit bureaus, helping you build credit automatically.
Credit Building - Reported members see their credit score increase by 32 points on average in the first three months.
Built for Impact
Perpay was made for people who are often overlooked by traditional lenders—but who deserve progress and peace of mind. Everything we build is designed to be simple, flexible, and actually helpful.
And we’re proud to say it’s working. Our members are growing their credit, accessing what they need, and building better financial futures.
We’re a Certified B Corp
In 2025, we became a Certified B Corporation. That means we meet high standards for social and environmental impact—and we’re legally committed to putting people first.
We went through a rigorous assessment that confirmed Perpay’s positive impact on all of our stakeholders, especially our customers. It’s our newest milestone, but it’s a reflection of what’s always been true: we’re here to help working people thrive.
If you have any questions, we’d love to hear from you! Reach out to us via chat or send us an email to hello@perpay.com.