Instead of relying on your credit history, we use current income information (i.e. an updated pay stub, net pay, etc.) to determine your custom Spending Limit. We do not pull or check your credit score in any way.

The more complete your Profile is, the more likely you are to be assigned the highest possible Spending Limit!

Improving your credit history is important to us. With Perpay+, we’ll report your payment history to all 3 credit bureaus and you’ll have the ability to boost your credit score by an average of 39 points.

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