Perpay Credit

Buy now, pay later and build credit along the way

Updated: Sep 18, 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



22 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

Perpay Store Credit is a great way to establish credit. By using it, you can build a credit history and improve your credit score.

How Does Perpay Credit Work?

Find and shop items

The first step to using your Perpay store credit is finding the items you want to purchase on the Perpay online store. You can shop by category or use the search function to find specific items. Once you’ve found the items you want to buy, add them to your cart and proceed to checkout.

Make payments

The Second Step to setting up your Perpay Store Credit is to Make payments from your paycheck monthly. This will help you stay on top of your credit and keep your balance low. You can also set up automatic payments so you don’t have to worry about missing a payment.

Build credit history

Perpay reports your credit history to the major credit bureaus, so you can improve your credit score by using it. To get started, simply sign up for an account with Perpay and start using their store credit. Make sure to make your payments on time and in full to build good credit history.

Improve and grow your credit score

Now that you’ve completed the first three steps to establish and grow your credit score, it’s time to move on to the fourth and final step: improving your credit score. There are a few simple things you can do to improve your credit score, including:

  • Review your credit report regularly and dispute any errors you find
  • Make all of your payments on time, including credit card, mortgage, and utility payments
  • Keep your credit card balances low
  • Avoid opening new credit cards or taking out loans unless you absolutely need to

By following these simple steps, you can improve your credit score and keep it strong for years to come.

Perpay Requirements

If you’re looking to open a line of credit with Perpay, there’s no need to worry about your credit score. Perpay doesn’t check your credit or run your score when you apply. However, there are a few things that could prevent you from getting approved for an instant credit limit. These include:

If you have any of these things in your credit history, you may still be able to get approved for a Perpay account, but you may need to go through a manual underwriting process. So, if you’re looking to get an instant credit limit with Perpay, make sure you don’t have any of these things in your credit history.

Perpay Competition and Alternatives

Frequently Asked Questions

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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

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Annual Fee


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Rec. Credit Score

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*The information provided for Perpay Credit is believed to be accurate at the time of evaluation or recent update on September 18, 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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