Perpay is an all-in-one app bringing you financial peace of mind through small payments that help build credit over time! When enrolled in Perpay+, you can pay over time and build credit without ever paying interest or late fees!
Applying will not affect your FICO® or Vantage® scores. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.
When you sign up, you'll unlock a unique Spending Limit that is customized to you.
You can then use your Spending Limit to shop hundreds of top-rated brands across every category in the Perpay marketplace. Shop with ease knowing that you can pay over time with small, easy payments. Payments are made automatically from your paycheck via direct deposit, which means that you never have to worry about missing a payment or paying a late fee.
Your easy, automatic payments help build your account and payment history, which you can opt-in to have reported to the credit bureaus through Perpay+. This helps members improve their credit scores significantly over time - just by shopping!