Pay over time at Perpay

Perpay is a marketplace selling electronics, home goods and clothing from brands like Apple and KitchenAid, paid back from your paycheck. Every order is paid over time through its own plan.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Paycheck payment plan

Perpay

APR
0%, no fees
Credit check
No hard credit check

Checked Nov 13, 2026 Perpay's own plan: you pay from each paycheck by direct deposit

Store offer, minimum and plan lengths are from Perpay’s website. APR and credit check are Perpay’s general terms.

How to pay over time at Perpay

  1. Add what you want to your cart on perpay.com.
  2. Sign up, then follow Perpay’s steps to set up your payments.
  3. Signing up does not affect your credit score. Perpay sets your spending limit from your pay, without a hard credit check.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Perpay financing

How does paying with Perpay work?

Every Perpay order is paid over time through Perpay's own plan. We checked how it works on Perpay's website on Nov 13, 2026. Terms can change, so read them before you order.

Will checking my rate at Perpay affect my credit score?

Perpay does not do a hard credit check to set your spending limit. If you join Perpay+, on-time payments can be reported to credit bureaus to help build your credit.

More stores: Department stores & marketplaces

All department store & marketplace financing stores

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money