Expanding access to financial services

Our mission directly supports goal 8.10 of the UN’s official Sustainable Development Goals - to expand access to financial services for all.
See our impact
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Perpay is a Certified B Corporation!

This is a rigorous external evaluation that validates Perpay's positive impact on all of our stakeholders, and specifically our customers.
View our impact score

Our impact in numbers

$839M
Spending power used by our members
As of June 2025
4x
Increase in payment rate on the Perpay Credit Card1 versus industry average2
As of January 2025
32+
Average credit score increase in the first 3 months using Perpay+3
As of January 2025
45%
Reported members who have graduated to a higher credit band (i.e, near-prime to prime)
As of January 2025

Improving the lives of our members

Marketplace
Perpay+
Credit Card
“
No interest, no hassles. Huge credit limit! And impossible to miss a payment as it comes right from my paycheck. A customer for life.”
- Connie D.
“
Thanks to the people at Perpay for trusting me enough to make sure my kids had a great Christmas.”
- Jordan C.
“
Perpay has afforded me the opportunity to get the things I want without breaking the bank. Payments are doable and convenient. I love it.”
- Iphone4feuder
“
I was expecting another denial but I was approved. Now my credit score is jumping quickly and I’m getting more “Approved” messages.”
- anlgkwlnd
“
Not only do I get what I need, but I’ve increased my credit score tremendously. Thank you.”
- Ruben32818
“
You need certain things in life to succeed. They have given me those things with a great way to build credit.”
- JESTERck93
“
I've been given access to be a member with a Credit Card and I LOVE it. Now I have another account reporting on time payments to the credit bureaus!"
- Adam W.
“
I just wanted to build up my credit and they were the first ones to ever accept me.”
- Theodore H.
“
I’ve now got the credit card. Everything is reporting positively on my credit. I can make payments on items I want while making my credit score higher.
- Niikota
1 The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire. The Perpay Credit Card is issued by Celtic Bank. Applying for a Perpay account will not affect your FICO® or Vantage® score. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau.

2 Based upon balance payment rate observed on the Perpay Credit Card as compared to the balance payment rate observed for Subprime consumers in the CFPB's 2023 Consumer Credit Card Market Report.

3 The credit score (VantageScore 4.0) increase of 32 points is based on the average of approximately 80,000 Perpay+ customers with a baseline credit score of 550 or below during the first three months of reporting. The same group observed an average credit score increase of 55 points over a two-year period if they maintained on time payments both on and off Perpay’s platform. Credit score improvement is not guaranteed, and individual results may vary based on a number of factors.  Perpay will report your transactions to Experian®, Equifax®, and TransUnion®. On-time payment history can have a positive impact on your credit score. Late payments may result in payment reporting to credit bureaus that may negatively impact your credit score. This product will not remove negative credit history from your credit report. Perpay+ is only available to eligible Marketplace account holders. Fees apply. See the Perpay Terms and Conditions for more details.

© Perpay Inc., 2025