Perpay - Shop and Build Credit

Make your paycheck work harder for you with Perpay.

Get up to $1,000 to spend now. Build credit by paying it back automatically each time you get paid. No crazy fees or predatory interest.

SHOP THE PERPAY MARKETPLACE

Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

BUILD CREDIT WITH PERPAY+

Choose to have your Perpay Marketplace payment history reported to all 3 credit bureaus to build credit while you shop.

APPLY FOR THE PERPAY CREDIT CARD

Access up to a $1,000 credit line and 2% rewards² with no hard credit check, no security deposit and no annual fee¹.


The Perpay Credit Card is issued by Celtic Bank.

¹Annual fee: None. Monthly card servicing fee of $9. APR: the APR for the Perpay Credit Card can be found in the Cardholder Agreement: https://perpay.com/legal/credit-card-agreement

²See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program