Perpay isn't a single product — it's a set of paycheck-powered financing tools that work together. Here's every option, what it costs, how much you can access, and who each one is really for.
All Perpay products share the same core mechanic — payments routed from your payroll direct deposit — but each targets a different need. You can use one, mix and match, or graduate from one to another as your credit strengthens.
A full World Mastercard issued by Celtic Bank, accepted anywhere Mastercard is. Payments come from your paycheck automatically, and every on-time payment reports to all three credit bureaus.
Shop top brands like Apple, KitchenAid, Samsung, and PlayStation directly through Perpay's online store. Split your purchase into fixed payments deducted from future paychecks — no interest, no hidden fees.
An optional add-on that reports your Marketplace spending limit to all three credit bureaus each month — giving your credit report an extra positive signal without adding another card or balance to manage.
Lump-sum cash deposited into your linked bank account, then repaid automatically from your next few payroll deposits. Availability, fees, and amounts depend on your account history and state of residence.
Because these products stack rather than compete, the right choice depends on what you're trying to accomplish this month, not just this year.
Checking your eligibility takes a couple of minutes and won't affect your credit score. Review Perpay's official disclosures on the issuer's site before completing your application.