Shop and build credit anywhere with the Perpay Card

The Perpay Credit Card is coming. Get on the waitlist.

Access to Credit


A direct deposit of your paycheck unlocks your credit limit. Applying will not impact your credit score! 

Credit Building Simplified


Build credit with everyday purchases anywhere Mastercard is accepted.  Easy, on-time payments made right from your paycheck help to build credit.

3% Rewards


Every payment made toward your card balance earns you 3% rewards to shop the Perpay Marketplace

What our customers are saying

⭐️⭐️⭐️⭐️⭐️

This app is awesome. It lets you finance just about anything without credit. In fact, it builds your credit. My score went up 80 points in 1 year. You just set the payment and forget it.

- Jacob Ferguson

⭐️⭐️⭐️⭐️⭐️

All I can say is thank you perpay for everything that you do. With your help my credit score went from 470 to 610 since this new program started. I have been a customer for 4 years almost and have been a happy customer.

- E Gonzalez

⭐️⭐️⭐️⭐️⭐️

“Great! Now I can get something new and keep my credit rating increasing! Perpay has been a real blessing.”

- Luke V

Effortless, on-time payments made right from your paycheck with direct deposit help to build credit

💰  Build credit with everyday purchases

✅  Use your paycheck’s direct deposit to access your card and start building credit anywhere Mastercard is accepted!

Be the first to know 

The Perpay Credit Card is scheduled to launch soon! Sign up for the waitlist to keep an eye out for the updates.