Thousands of 5-star reviews

Build your credit for $5/month.

Get up to $1,000 spending limit reported to all 3 major credit bureaus - see your credit score increase by 30+ points (on average).1
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The Perpay Impact

“I didn't know if I would get approved to buy a car. Perpay made it possible!"
Vickii
Perpay+ user*
“It was affordable and the payments are easy. Perpay has been vital for for my credit.”
David
Perpay+ user*
“It’s assisted me in increasing my credit score by like 30 points. You can’t beat that!”
Kylie
Perpay+ user*

How it works

Simple Setup

Automate your growth

Set up your payroll direct deposit for $5/month. Your new Spending Limit and healthy credit factors will be reported to the bureaus within 30-60 days.
Get started
Smart Spending

Shop to level up2

Use your spending limit in the Perpay Marketplace. We report your on-time payments to all 3 credit bureaus, turning your payment history into a powerful tool to level up your credit profile.
Total Visibility

Watch your score soar

Monitor your progress from a single dashboard. Track your success with our built-in monitoring tools. Watch as your new credit factors help improve your score over time.

Key Benefits

Simple Setup

Automate your growth

Set up your payroll direct deposit for $5/month. Your new Spending Limit and healthy credit factors will be reported to the bureaus within 30-60 days.
Start now
Smart Spending

Shop to level up 2

Use your spending limit in the Perpay Marketplace. We report your on-time payments to all 3 credit bureaus, turning your payment history into a powerful tool to level up your credit profile.
Total Visibility

Watch your score soar

Monitor your progress from a single dashboard. Track your success with our built-in monitoring tools. Watch as your new credit factors help improve your score over time.

How it works

STEP 1

Apply in as little as 30 seconds 3

STEP 2

Access up to a $1,000 spending limit

STEP 3

We report to all 3 major credit bureaus

STEP 4

Watch your credit score soar

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
‍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.

2 Access to the Perpay Marketplace is offered by Perpay, Inc., and is only available to eligible consumers residing in the United States. The Perpay Marketplace is subject to credit approval. 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.

3 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.

* Real customers compensated for their testimonial.

© Perpay Inc., 2026