For millions of Americans who need a better option than rent-to-own stores or high interest credit cards, Perpay is the app that makes buying better products simple and stress-free. Instead of your credit score, we use real-time information to create a custom, responsible Spending Limit tailored to you. Use your Spending Limit to purchase the products and brands you love, with zero fees or interest. SIGN UP Answer a few simple questions to access your Spending Limit, which can range from $500 - $2,500. SHOP Choose from thousands of your favorite products and quality brands, with more added everyday! RELAX We ship your order after we receive your first payment. MAKE 8 EASY PAYMENTS Pay for your order and build your Spending Limit with a small amount from each paycheck.