Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Paying for everyday items like furniture, electronics, or home essentials often means turning to buy now, pay later services or high-interest credit cards. But those options can come with hidden costs — and they don't always help people build better credit. That's where Perpay comes in. This Philadelphia-based company is taking a different approach, helping working Americans afford what they need while imp ...