Unlock the full potential of online shopping with Perpay, an exceptional platform that combines the convenience of online shopping with the opportunity to build your credit score. Gain access to a wide array of products while improving your financial standing with Perpay's seamless credit approval process. Perpay's unique approach enables you to repay your credit with small, easy-to-manage payments, all tied to your paycheck. This means that as you shop, you also make strides towards a stronger credit score. Start your journey towards better financial health and enjoy an unparalleled shopping experience with Perpay.
  • 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
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Card Issued by Other Issuers

The Perpay Credit Review

Perpay Store Credit -- A Groundbreaking Platform for Stress-Free Credit-Building and Online Shopping

Perpay is an inventive financial platform changing the landscape of credit-building and online shopping. Created to assist individuals encountering issues with standard credit approval processes, Perpay supplies an instant spending limit and a rare opportunity to boost credit ratings over time.

A Seamless Way to Build Credit While Shopping

Perpay sets itself apart by allowing users to increase their credit scores while shopping for the products they want or need. Payments are made through small deductions from the user's paycheck, ensuring a trouble-free experience.

Standout Features of Perpay

Perpay offers a host of exceptional features that make it an attractive choice for credit-building and online shopping.

  • No credit checks needed
  • Access to a broad array of over 1,000 top brands
  • Convenient payments deducted directly from your paycheck
  • An uncomplicated way to build credit while shopping
  • Perpay's Simple Approval Process and Criteria

Perpay employs an easy approval process with specific requirements to qualify for an instant credit limit.

  • No active bankruptcies
  • Must be employed (unemployment not accepted)
  • Minimum annual income of $15,000
  • A functioning cell phone

Perpay is A Trusted Choice for Credit-Building

Perpay's credit-building process involves 4 straightforward steps.

  1. Use your personalized spending limit to shop for a wide range of products in the online marketplace.
  2. Make automatic payments over time with small deductions from each paycheck.
  3. Bolster your account history with each punctual payment.
  4. Consistently grow your credit score by using Perpay over time.

The Evolution of Perpay: A Success Story

In 2014, Chris DiMarco and David Hayne established Perpay to help individuals saddled with debt afford sudden big-ticket purchases. The Philadelphia-based fintech company operates a user-friendly shopping site similar to Amazon, where customers can buy items from reputable brands like KitchenAid and LG. Users pay for their purchases over time through paycheck deductions.

Final Thoughts

Perpay has expertly merged the credit-building and online shopping experience into a single, user-friendly platform. With its progressive features, commitment to social impact, and focus on customer success, Perpay offers an encouraging solution for individuals who face challenges with traditional credit approval processes.

The platform features an extensive array of products from top brands and a user-friendly online marketplace, giving users an enjoyable shopping experience while simultaneously building their credit. As Perpay continues to evolve and innovate, it remains a prime option for those seeking to enhance their credit scores and enjoy a hassle-free shopping experience.

The Perpay Credit Details

This card is The Stored Value Consumer card
Card Details
  • - Network: Other Networks
  • - Issuer: Other Issuers
  • - Type: Cards for Bad Credit, Shopping, Guaranteed Approval, No Credit / New to Credit, Building Credit, Instant Credit
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total votes: 32
Annual Fee $0*
Credit Needed Accepts All*
Credit Reporting Yes*
Intro APR (%) N/A
Intro Period N/A
Regular APR (%) 0.00% (Fixed)*
Grace Period See Terms*
  • - Late payment fee: $0

Other Benefits

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*The review is prepared by CreditDad.com staff. Opinions expressed therein are solely those of the reviewer. Card rates, fees and other information presented is believed to be accurate at the time of the evaluation. We strongly advise you review the fees, terms and conditions of the offer prior to applying for the product.