Perpay Credit

Buy now, pay later and build credit along the way

Updated: Nov 14, 2022

Advertiser Disclosure

The Perpay credit allows you to build credit while shopping for the things you want, need, or desire. You can get instant credit approval and start shopping in 60 seconds. To repay, you just make small payments over the agreed time with your paycheck. It's a simple and fast way to build your credit starting today!




0% Fixed



25 User Ratings

Perpay Credit

at Perpay's Secured website

Apply Now

Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • Access your credit limit and start shopping in 60 seconds
  • No credit check is required
  • Shop 1,000+ top brands
  • Small payments from your paycheck
  • A simple way to build credit
  • Buy Now. Pay Later. Build credit.
  • Join over 3million + members
  • See the website for complete Terms & Conditions

Our Take

How Does It Work?

  • First Step: Find and shop items you want on Perpay online store
  • Second Step: Make payments from your paycheck monthly
  • Third Step: Build credit history, as Perpay reports your credit
  • Fourth Step: Improve and grow your credit score

Perpay Requirements

Perpay does not check your credit or run your score. However, in order to get approved for an instant credit limit, you should not have the following:

Perpay Competition and Alternatives

Frequently Asked Questions

Apply Now
Basic Information
Issuer: Other Issuers
Network: Other Networks
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Shopping
  • Guaranteed Approval
  • No Credit / New to Credit
  • Building Credit
  • Instant Credit
Rewards: No
Rates & Fees
Regular APR: 0%
Regular APR Type: Fixed
Annual Fee: $0
Balance Transfer: No
Grace Period: See Terms
Late Payment Fee: $0

Perpay Credit Alternatives

Perpay Credit

Perpay Credit


Annual Fee


Regular APR


Intro APR


Rec. Credit Score

Accepts All

*The information provided for Perpay Credit is believed to be accurate at the time of evaluation or recent update on November 14, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Perpay Credit

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Perpay Credit

Perpay Credit

Rec. Credit Score: Accepts All

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Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.