Perpay is a purchase service now, later (BNPL) provides fee -free and interest -free financing. Although he does not mention the maximum spending, you can qualify for up to $ 1,000 in purchasing power once registration. You can choose your payment amount based on how much time you want to pay. If you register in PerPay+, the company is your payments to all three major credit offices, which can help enhance your credit degree.
But your spending limit can only be used in the Perpay market, while most BNPL applications have more flexibility where you can shop. In addition, only Perpay accepts applicants who are full-time employees W-2- Therefore, the clearest workers and individuals who work for their own account have to search elsewhere. You are also required to make payments through direct salary discounts for deposit, which may not be a cup of tea for everyone.
We have 13 options for apps like Perpay
If you want more options when shopping – or do not meet Perpay’s eligibility – you may want to think about one of these other BNPL applications. Or, if you prefer money instead of the maximum spending, we have also included some famous cash advance applications that can discover you up to $ 1,000 and provide more flexibility than BNPL.
| Claus (cash advance) | Up to $ 750 | free | Even the next salary | From 1 to two days work or a moment for a fee | no |
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| Mypay (Cash Prix) | Up to $ 500 | free | Even the following deposits | Within two days or a moment for a fee | no |
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| Brigitte (cash advance) | $ 50 to $ 250 | 8.99 dollars to 14.99 dollars/month | The next payment day, but it can extend | From 1 to 3 working days or immediately with a distinguished subscription or for a fee | no |
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| Cleo (Critical Prix) | It reaches $ 250 | $ 5.99/month | Within 14 days, it can extend | From 3 to 4 days or on the same day for a fee | no |
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| to be sure | $ 50 to $ 20,000 | 0 % to 36 % | Pay 4, or up to 60 months | When buying | no |
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| Dave (cash advance) | Up to $ 500 | It reaches 5 dollars per month | The next payment day or the nearest Friday | Up to 3 working days or a moment for a fee | no |
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| Suggestion of the cash application | Up to $ 1,000 | 5 % of pre -amount | Usually within 4 weeks | Day | Yes |
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| PayPal in 4 (BNPL) | $ 30 to 10,000 dollars | 0 % to 35.99 % | Pay 4 or 3 to 24 months | When buying | no | |
| Clarna (BNPL) | No limits in advance | 0 % to 33.99 % | Pay 4, within 30 days, or 6 to 24 months | When buying | Yes | |
| After me (bnpl) | The border begins about $ 600 | 0 % to 35.99 % | Pay 4, 6 or 12 months | When buying | Yes | |
| Sezzle (BNPL) | Up to $ 15,000 | Service fee reaches $ 5.99, 0 % to 34.99 % | Pay in 2 or 4, or up to 48 months | When buying | Yes | |
| BNPL code (BNPL) | Different | 0 dollars to $ 78 | Pay 4 or 8 installments | When buying | Yes | |
| Split (bnpl) | It depends on the balance available for your credit card | 0 % (but your credit card prices and fees are still applied) | It differs from the merchant | When buying | no |
How to compare Perbay
Perpay never imposes interest fees or late fees, and you can choose the amount you want to pay every month. You can also use it to help you build credit if you register in Prepay+ for $ 3 per month. But you should be a full-time W-2 factor for qualification, and automatically deducts payments from your salary. Another drawback is that you can only spend your approved limit in the Perpay market, which offers elements such as electronics, home commodities and clothes.
Positives
- No interest or fees at all
- Choose your payment
- Credit can be built with PerPay+
cons
- The W-2 employee should be full-time
- Shopping can only be in the Perbay market
- Payments through direct deposit of salaries
Why choose the BNPL app
When you want (or you need) a purchase but you don’t have all the money on hand, the BNPL application allows you to pay over time in four equal installments. Usually these applications do not require a difficult credit examination and generally easy to qualify.
In most cases, no interest will be imposed, although some applications may receive a small service to rest. For large purchases, you can often extend the payment plan to the installment installment loan. But BNPL applications do not give you access to cash, and installment rates can reach 36 %.
Positives
- Safir is the interest of short -term loans
- Eforious requirements for qualification
- It is widely available
- Flexible payment options
cons
- No access to criticism
- Some applications for charging the service or late fees
- It may have high -term APRS loans
- Usually not build credit
Why may the applications of money advance may be a good alternative
One of the biggest advantages of the Advance Cash app versus BNPL is access to cash, which gives you more flexibility in how to use money. In addition, like most BNPL applications, there are no difficult credit checks, and qualification requirements are somewhat lenient.
But some cash apps require monthly fees, as pre -amounts may be smaller than you may qualify with the BNPL application and you usually have to pay within two weeks.
Positives
- Access to criticism
- Usually there is no interest or late fees
- It is usually easy to qualify for
cons
- Usually a smaller loan amounts
- It may require monthly fees
- The loan conditions are short
- Perform up to $ 150 a day, with a maximum of $ 750 between payment days
- No credit examination
- There are no monthly fees or benefit
- Connect the bank account to reach the cash advance
- Get up to $ 500 for each payment period
- No interest or fees required
- Access to your salary within 24 hours
Other alternatives
If you decide that BNPL or the cash advance is the right step for you, think about these alternatives instead.
- Personal loan. For larger loan amounts and greater flexibility in how you spend, the personal loan may be a good choice. But you will need good credit to qualify to get the best prices and conditions.
- Bad credit loan. If your credit is not the best, then think about these lenders who provide personal loans to weak credit borrowers.
- Credit Credit Card. If you are eligible for a 0 % promotional card, you can take advantage of the benefits -free financing for up to one year or more.
- Unification loan. Do you find yourself tending to BNPL applications because your credit cards have reached the maximum? If so, the debt unification loan can help you convert this debt into a single monthly payment at a lower interest rate. But you may want to rethink your spending habits to avoid entering this position again.
- Except for that. When you resist the desire to buy a motivation, you can avoid taking new debts and give yourself time to consider whether it is still a process of buying you really want.
Related questions
When does Perbay are racist?
Your element is usually charged after Perpay receives the first payment. However, some members may qualify for “immediate charging”, as your order can be charged before paying.
Are Berbay loans unaccounted, and what does that mean?
All Perpay orders are not specific, and this means if they do not pay the full loan amount, there are very few consequences. More specifically, Perpay cannot send your account to the groups if you cannot pay. However, if you fail to pay your loan, you will not allow you to submit new requests on the market.
What is better than Perbay?
If you want more shopping options, applications such as confirmation, klarna and others give you more flexibility because they are widely available and do not limit you to one market. Sites like Perpay may provide a wide range of goods, including clothes, electronics, home commodities and more, but your purchase strength is limited to this site.
