14 Apps Like Perpay: Competitor Sites & Alternatives (2025)

Perpay is a buy now, pay later (BNPL) service that provides fee-free and interest-free financing. While it doesn’t state its maximum spending limit, you could qualify for up to $1,000 in purchasing power as soon as you sign up. You choose your payment amount based on how much time you want to pay it back. If you sign up for Perpay+, the company reports your payments to all three major credit bureaus, which can help boost your credit score.

But your spending limit can only be used on the Perpay marketplace, while most BNPL apps have more flexibility in where you can shop. Plus, Perpay only accepts applicants who are full-time W-2 employees — so gig workers and self-employed individuals have to look elsewhere. You’re also required to make payments through direct deposit payroll deductions, which may not be everyone’s cup of tea.

Our 14 top picks for apps like Perpay

If you want more options when you shop — or don’t meet Perpay’s eligibility requirements — you may want to consider one of these other BNPL apps. Or, if you prefer cash rather than a spending limit, we also included some popular cash advance apps that could spot you up to $1,000 and offer more flexibility than a BNPL.

How does Perpay compare

Perpay never charges interest or late fees, and you get to choose how much you want to pay each month. You can also use it to help you build credit if you sign up for Prepay+ for $3 a month. But you must be a full-time W-2 worker to qualify, and it automatically deducts payments from your paycheck. Another drawback is that you can only spend your approved limit on the Perpay marketplace, which offers items like electronics, home goods and apparel.

Why choose a BNPL app

When you want (or need) to make a purchase but don’t have all the cash on hand, a BNPL app lets you pay over time in four equal installments. These apps typically don’t require a hard credit check and are generally easy to qualify for.

In most cases, you won’t be charged any interest, although some apps may charge a small service for the convenience. For larger purchases, you can often extend the payment plan to an interest-bearing installment loan. But BNPL apps don’t give you access to cash, and rates for installment loans can be as high as 36%.

Why cash advance apps might be a good alternative

One of the biggest advantages of a cash advance app versus BNPL is the access to cash, which gives you more flexibility in how you use the funds. Plus, like most BNPL apps, there are no hard credit checks, and the requirements to qualify are fairly lenient.

But some cash apps require monthly fees, advance amounts may be smaller than you could qualify for with a BNPL app and you’ll typically have to repay it within two weeks.

Good for borrowing more

Go to site

• Borrow up to $5,000
• Get cash as soon as same business day
• Easy application
• Quick approval
• Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV.

Good for no-fee, 0% interest cash advances

Go to site

• Borrow up to $150/day, with a max of $1000 between paydays
• No credit check
• No monthly fees or interest
• Connect bank account to access cash advance

Good if you have bad credit

Go to site

• Loans from $300 to $5,000
• Accepts bad credit borrowers
• Funding as soon as the same day
• Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV.

Other alternatives

If you decide that neither a BNPL or cash advance is the right move for you, consider these alternatives instead.

• Personal loan. For larger loan amounts and greater flexibility on how you spend, a personal loan may be a good option. But you’ll need good credit to qualify for the best rates and terms.
• Bad credit loan. If your credit score isn’t the best, consider these lenders that offer personal loans to borrowers with poor credit.
• Introductory rate credit card. If you qualify for a card with a 0% promotional rate you could take advantage of interest-free financing for up to a year or more.
• Consolidation loan. Do you find yourself leaning on BNPL apps because your credit cards are maxed out? If so, a debt consolidation loan can help you roll that debt into one monthly payment at a lower interest rate. But you may want to rethink your spending habits to avoid getting into that situation again.
• Save for it. When you resist the urge to impulse buy, you can avoid taking on new debt and give yourself time to consider if it’s still a purchase you really want.

Frequently asked questions

When does Perpay ship my items?

Typically your item is shipped after Perpay receives your first payment. However, some members may qualify for “instant shipping,” where your order can be shipped before you’ve made a payment.

Are Perpay loans non-recourse, and what does that mean?

All Perpay orders are non-recourse, meaning if you don’t repay the full loan amount, there are very few consequences. More specifically, Perpay can’t send your account to collections if you cannot pay. However, if you fail to repay your loan, you won’t be allowed to place new orders on the marketplace.

What’s better than Perpay?

If you want more shopping options, apps like Affirm, Klarna and others give you more flexibility because they’re widely available and don’t limit you to one marketplace. Sites like Perpay may offer a wide variety of merchandise, including clothing, electronics, home goods and more, but your purchasing power is limited to that site.

To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.

Written by

Lacey Stark

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio