Before the Perpay Credit Card existed, there was the Marketplace — a paycheck-powered store where over 1,000 brands sell on 0% installments. Here's how it works, what it really costs, and how it fits alongside the card.
Typical starting limit for new members, growing with history.
No interest, no added fees on Marketplace installments.
Apple, Samsung, KitchenAid, PlayStation, Nintendo, Dyson and more.
The Marketplace is Perpay's own storefront, not a checkout button on other retailers' sites — that's the big structural difference from Affirm or Klarna. You browse Perpay's catalog, place an order, and repay through small automatic deductions from your paycheck, split across your regular pay cycle.
The Marketplace charges no interest — so how does Perpay make money? Markup pricing. Perpay buys products wholesale and resells them, often at prices somewhat above typical retail. That margin funds the 0% installment structure.
Our practical rule: before ordering, price-check the exact model at two regular retailers. If the Marketplace markup is modest, you're effectively paying a small convenience premium for interest-free installments and credit-building — often a fair deal. If the markup is steep on your item, consider buying elsewhere and using the Perpay Credit Card instead, which works anywhere Mastercard is accepted.
One more reader-friendly detail: Marketplace orders are non-recourse — per Perpay's help center, the stated consequence of not finishing payments is losing future Marketplace access, not collections. Always confirm current terms before ordering.
For the full ecosystem picture, our Perpay loan types guide compares all four products side by side.
The Perpay Marketplace is Perpay's own online store where members buy products from 1,000+ brands — like Apple, Samsung, KitchenAid, PlayStation, and Nintendo — and pay over time through small automatic deductions from their paychecks, with no interest or fees on Marketplace orders.
New members typically receive a Marketplace spending limit of up to $1,000, based on income and employment stability, with limits growing as on-time payment history builds.
No. Marketplace purchases carry 0% interest and no added fees. Perpay earns revenue through markup pricing — products often cost somewhat more than typical retail, which is the trade-off for interest-free installments.
Marketplace orders are non-recourse: the stated consequence of not completing payments is losing access to place future Marketplace orders, rather than collections activity. Confirm current terms on Perpay's official help center.
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.