Thousands of 5-star reviews

Help your members build better credit — one paycheck at a time

With Perpay, people build credit while shopping for the things they need — zero interest or fees, ever.
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WORKING WITH INDUSTRY LEADERS

Partner with Perpay

Empower your community with access to responsible credit-building and spending power.
Employers
  • Trusted by employees at 50K+ companies
  • Boost retention & engagement
  • No tech lift required
Payroll Providers
  • Proven financial wellness benefit
  • Add real value for your clients' employees
  • Zero tech lift
Affiliates & Influencers
  • Promote Perpay to your audience
  • We move quickly to help you create impact and revenue

Why Perpay Matters for the People You Serve

Working Americans are asking for financial support. Partnering with Perpay helps you provide it.

84%

of employers say financial wellness tools help reduce employee turnover

80%

of employers report wellness benefits lead to more engaged, loyal, productive employees

78%

of employees would be more likely to recommend their workplace if it had a comprehensive financial wellness program

Proven Results at Scale

Perpay’s credit-building model consistently outperforms traditional subprime options.

94%

of members have a starting credit score below 620

4.5x

better credit score improvement vs. traditional credit cards

The Perpay Impact

For nearly a decade, we’ve helped people build credit responsibly. Let’s make an even bigger impact together!

$839M

in spending power extended

2.6M+

credit score points gained

30pts+

average score increase in the first year 1

45%

of users graduate to higher credit bands
i.e. subprime to near-prime

Credit Improvement = Real Savings

When employees improve their credit, they unlock meaningful savings on life’s biggest expenses.
Home Loan
$300k 30 Year Mortgage
Credit Score Increase
+32 Pts
Interest Rate Change
0.25%
Savings
$20,000
Auto Loan
$22k 6 Year Loan
Credit Score Increase
+32 Pts
Interest Rate Change
0.25%
Savings
$3,600
“Truly if it wasn’t for perpay, my credit would still be below 550. Now I’m almost to 800. I was able to get my first car from a dealership with my upgraded credit score.”
Madison
iOS App Review

What customers 💙 about Perpay

"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
“One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
iOS App Review
"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
“One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
iOS App Review

Launch in days, deliver outcomes that last.

Whether you’re an employer, platform, or affiliate, partnering with Perpay means giving people access to better financial tools.
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1 The credit score (VantageScore 4.0) increase of 30+ Points is based on the average of approximately 50,000 Perpay+ customers with a baseline credit score of 550 or below during the first year 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.

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