Our mission is to build simple and inclusive financial products that provide equitable access to credit. This directly supports goal 8.10 of the UN’s official Sustainable Development Goals - to expand access to financial services for all.
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 On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®.*Based on results observed across more than 40,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 32 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed. Perpay+ is only available to eligible Marketplace account holders. See the Marketplace Terms and Conditions for more details. A fee may apply.
.svg)