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Referral code
Perpay referral code.
Your bonus
$40 offyour first Marketplace order of $100 or more
Get $40 off your first Perpay Marketplace order of $100 or more when you join through the referral link - the credit activates on your profile and applies automatically to that order; the member who invited you earns a separate $80 credit after your first qualifying payroll payment on Perpay
Tap the button and join Perpay through the referral link - there is no code to type; the link is the referral. You need to be 18 or older, a U.S. resident in full-time W-2 employment paid through a payroll system; 1099 and gig workers are not eligible.
Perpay sets your estimated spending limit (up to $1,000 at the start) from your pay details, with no hard credit check with the three major bureaus, and your $40 referral credit activates on your profile.
Place a first Marketplace order of $100 or more and set up your payroll direct deposit split. The $40 applies automatically; your order ships after your first payday payment lands, and that payment is what earns your inviter their separate $80 Marketplace credit.
Don't miss this: The $40 is Marketplace credit, not cash: it redeems only on new Marketplace orders and cannot be withdrawn, and Perpay may change referral amounts at any time or void credits for activity it deems inconsistent with the program's intended use. Its own help pages disagree on whether a partially used credit keeps its remainder, so an order at or above your credit balance is the safe play. Marketplace purchases carry no interest, no fees and no late fees; the optional Perpay+ reporting plan costs $5 a month, and the separate Perpay Credit Card (Celtic Bank, $9 a month, 27.74%-29.99% APR) is a different product.
Some links can earn us a referral reward when you complete the provider's requirements. Official links without a referral earn us nothing. Referral rewards help keep this site free and never change our scores. Checked November 1, 2026.
✓ Last verified November 1, 2026U.S. readersNext review October 26, 2026
Your next step
How to qualify for the Perpay offer
$40 off your first Marketplace order of $100 or more when you join through the referral link; the member who invited you earns an $80 Marketplace credit after your first qualifying payroll direct deposit payment
Join through the referral link and tell Perpay about your employment; it sets an estimated spending limit - up to $1,000 initially - from your pay details, with no hard credit check with the three major bureaus.
Shop the Marketplace (electronics, home goods, apparel and more) and submit your order for the Approvals Team's review.
Set up payroll direct deposit: you split a recurring amount from each paycheck into your Perpay account through your employer, via Pinwheel or Perpay's other setup methods. Perpay charges no fee to set this up.
Credits redeem only on new Marketplace orders and cannot be withdrawn. Perpay states it may change the referral credit amount or minimum for new referrals at any time, and may void credits or end eligibility for activity it deems abusive, fraudulent or inconsistent with the program's intended use. Its help pages disagree on whether a partially used credit keeps the remainder.
Link: https://financeappradar.com/go/perpay. The invitation link carries undefined as its identifier. No manual code field is verified; use the link to create your Perpay account with the referral attached. Current offer context: Offer terms vary; check the current terms on the app's own page. Requirement: Open the tracked Finance App Radar route, review the official terms, and complete any live partner requirements.
Check the W-2 gate before the headline limit. Perpay fits full-time W-2 workers who can split a payroll direct deposit: up to a $1,000 initial Marketplace limit, no interest, no fees and no hard credit check. The referral link takes $40 off a first order of $100 or more, and your inviter earns $80 only after your first payroll payment lands on that order.
The offer below is quoted from Perpay's own terms on the date shown. Nothing here guarantees a bonus or approval.
Best use case
$40 off a first order of $100+ through the invite link; $80 to the inviter
Who should use it
Full-time W-2 workers who want to spread a planned purchase across paychecks and build credit while they pay
Main drawback
Eligibility is narrow - full-time W-2 employment and a splittable payroll direct deposit are required - and referral credits spend only inside the Perpay Marketplace
Important limitation
Credits redeem only on new Marketplace orders and cannot be withdrawn. Perpay states it may change the referral credit amount or minimum for new referrals at any time, and may void credits or end eligibility for activity it deems abusive, fraudulent or inconsistent with the program's intended use. Its help pages disagree on whether a partially used credit keeps the remainder.
Join through the referral link and tell Perpay about your employment; it sets an estimated spending limit - up to $1,000 initially - from your pay details, with no hard credit check with the three major bureaus.
Shop the Marketplace (electronics, home goods, apparel and more) and submit your order for the Approvals Team's review.
Set up payroll direct deposit: you split a recurring amount from each paycheck into your Perpay account through your employer, via Pinwheel or Perpay's other setup methods. Perpay charges no fee to set this up.
Make your first payment on payday: unless you qualify for instant shipping, your order is processed for shipment after that first qualifying payment arrives, generally within a week.
Each payday, your deposit pays the balance down automatically and your available limit frees back up. Optionally, add Perpay+ for $5 a month to have your limit and payments reported to all three credit bureaus.
Current Perpay offer details
Current offer
Offer terms vary; check the current terms on the app's own page.
What you must do
Open the tracked Finance App Radar route, review the official terms, and complete any live partner requirements.
When it posts
The $40 activates on the new member's profile after joining through the link and applies automatically to the first qualifying order. The inviter's $80 is credited as soon as the friend's first qualifying direct deposit payment is received.
Key limitation
Credits redeem only on new Marketplace orders and cannot be withdrawn. Perpay states it may change the referral credit amount or minimum for new referrals at any time, and may void credits or end eligibility for activity it deems abusive, fraudulent or inconsistent with the program's intended use. Its help pages disagree on whether a partially used credit keeps the remainder.
Perpay eligibility and availability
Perpay, Inc. is a certified B Corp and a BBB-accredited business with an A+ rating; its app holds a 4.93 App Store average from about 24,600 ratings. It is a financial technology company, not a bank; the separate Perpay Credit Card is issued by Celtic Bank. Marketplace terms are consumer-friendly on paper - no interest, no late fees, non-recourse orders - and Perpay discloses that underwriting may review Clarity Services data even though the three major bureaus get no hard inquiry. Its referral terms reserve broad discretion to void credits, which is stated openly in its help center.
Perpay referral FAQ
What is the current Perpay new-user offer?
Offer terms vary; check the current terms on the app's own page. Requirement: Open the tracked Finance App Radar route, review the official terms, and complete any live partner requirements.
Do I need to type a Perpay code?
No manual code field is verified. The identifier undefined travels inside the invitation link; open that link before creating your Perpay account.
