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Buy Now, Pay Later programs were just but a glimmer when they first started. But they’ve revolutionized to become the most convenient payment plan for those who want to make partial payments for products they can’t afford to pay full at checkout.

In a market filled with BNPL options, PerPay comes across as one of the options to options to consider if you want to shop and pay on your own terms while building your credit at the same time. With a mission to make purchases more accessible, PerPay doesn’t perform hard credit checks so your chances of approval are high.

List of Online Stores (Or Brands) That Allow You to Buy Now, Pay Later With PerPay

The following is a list of some of the most popular brands that allow you to use PerPay payment solution to buy the products you need now and pay for them later:

  • Apple
  • HP Store
  • Bose
  • Coach
  • Ring
  • Shop Disney
  • Ugg
  • Stila
  • Michael Kors
  • Microsoft

What Is PerPay?

PerPay is a Buy Now, Pay Later payment solution that finances your purchases at checkout if you don’t have sufficient funds in your bank account to pay full price.

The payment solution allows you to split up the total amount of products into 12 equal installments, pay the first deposit at checkout, and then spread out the rest of the payment via direct deposit.

Unlike Affirm, PerPay doesn’t charge any interest. PerPay also gives you the flexibility to pay for your installments based on your pay cycle, which can be weekly, bi-weekly, or monthly.

How Does PerPay Work?

PerPay works much like any other Buy Now, Pay Later payment solution, only they have a longer payment plan to allow you to manage your installment with utmost convenience. By allowing you to split payments up into 12 installments, payable in up to 12 months, PerPay makes even the high-ticket items from big brands, such as Apple and Samsung, within reach.

To get started:

  • Sign up for a PerPay account
  • Submit your recent pay stub to the company for review

Once PerPay approves your account, they’ll give you a spending limit that you can use to shop at brands that accept PerPay at checkout.

You’ll pay the first installment at checkout and then spread out the 11 based on your pay cycle. PerPay can deduct money from your account weekly, biweekly, or monthly. Just remember to stop your deposits once you’ve completed making a payment for the products you bought on BNPL plan.

PerPay requires that you make your payment via direct deposit. However, you do have the option to make additional payments through a card or verified bank account that they have on file.

Final Words

PerPay is a good Buy Now, Pay Later option to consider because, in addition to accepting even those who have a low credit score, it doesn’t charge any interest on the payments. However, you’re likely to find that some items will attract insanely higher prices over the actual market value.