How it works
Perpay is a shopping marketplace. You link your paycheck, and purchases are repaid automatically through small payroll deductions. New members get a starting spending limit (up to $1,000) that can grow over time.
What it costs
Perpay doesn't charge interest or upfront fees; you pay the marketplace price over several paychecks. Marketplace prices can be higher than at regular stores, so compare.
Credit checks and reporting
Approval is based on your paycheck rather than your credit score, and Perpay offers credit-building options for members.
Good to know
You can only shop Perpay's own marketplace, so it suits people who want a structured, paycheck-based plan more than a checkout button.
Terms checked October 2026. Services change their terms, so the terms shown at checkout are the ones that count.