Updated August 2026

How to Perpay Your Holiday

While the holidays are supposed to be a time of comfort and joy, almost half of Americans say they're more stressed during the holidays than the rest of the year. The two most commonly reported stressors are shopping crowds and getting into debt. In fact, nearly three-quarters of holiday shoppers plan to put at least some of their holiday gift purchases on a credit card. Up to 69% of Americans who used credit cards to buy gifts last year may have paid interest on those purchases.

At Perpay, we love this time of year because our members do not have to worry about high-interest debt or crowded stores.

Stress-Free Holiday Budgeting

Holiday budgeting is simple with Perpay. We help you access what you need or want today, while building credit for tomorrow.

Instead of paying upfront, you pay for items over time through small, automatic payments directly from your paycheck. By making consistent, on-time payments, you avoid the crazy interest and fees charged by other alternatives like payday loans or credit cards.

Shop the Perpay Marketplace

Our online marketplace features over 1,000 top brands like Samsung, Marc Jacobs, Ninja, Apple and more. You can shop for all your holiday essentials in one place. The best part? You can skip the crowded malls and pay for your gifts over time.

Build Credit While You Shop

Want to give yourself a gift this year? Perpay can also help improve your credit score.

How Does that Work?

Activation: You can activate credit building for just $5 per month.
Credit Building: When activated, Perpay reports up to a $1,000 spending limit to the three major credit bureaus. Your payments made on holiday shopping will then also be reported to the credit bureaus, and payment history is a key factor on your credit report.
The Impact: Members see an average credit score increase of 30 points *

Ready to make your paycheck work harder for you this holiday season?

^*Results may vary. Based on observed score increases after 12 months for members who enrolled in Perpay+ and made on time payments. See the Marketplace Terms and Conditions for more details.

Perpay does not provide financial, legal, or regulatory advice. The content is for general informational purposes only. Any views expressed are those of Perpay, not its partner institutions. We do not endorse or guarantee the accuracy of any linked third-party information. Links to Perpay products are advertisements. All external brand names belong to their respective owners.