Frequently Asked Questions


How does Perpay work?

Perpay is a financial wellness platform that allows account holders to purchase products and repay over time through easy, scheduled payments. No interest, no fees, no credit checks. Here is how it works:

  1. Start by completing your Perpay profile. When your profile is complete you will receive an Estimated Spending Limit to use on Perpay!

  2. Browse your favorite products on the Perpay Marketplace, add them to your cart, and submit your application for review! Our system will provide an Approved Spending Limit and a decision on your application.

  3. Once your application is approved, you'll receive an email with instructions on how to make payments and receive your items!

  4. Items are shipped when we receive your first payment (usually on your next payday)!

Is Perpay a legitimate company?

Based in Philadelphia, PA, Perpay currently provides services to over 500K account holders across the country! At Perpay, we pride ourselves on being open and transparent with our customers, so if you have any immediate concerns please don't hesitate to contact our office! You can message a Perpay Team Member on our live chat or send an email to We would be happy to hear from you! 

In the meantime, we encourage you to check out our A+ Rating with the Better Business Bureau.

You can also check us out as a featured company in Finance and Technology in Philadelphia!

Do you check my Credit Score or report to the Credit Bureau?

We do not pull your credit score. Your spending limit is generated based on the data you provide (i.e. updated pay stub, net pay, etc.). The more information you provide, the more likely you are to be provided with the best possible spending limit!

We also do not report to the Credit Bureaus at this time. We hope to begin reporting payment history to Credit Bureaus in the future, which will allow account holders to improve their Credit Score by simply using Perpay! For now, your activity and payment history on Perpay improves your Spending Limit over time!

Fiona McCurdy