Merchandising Internship, Marketplace - 2026
About Us:
Perpay is a certified B Corp and Philadelphia’s most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit.
With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey.
Our venture partners include First Round Capital and L Catterton.
Products we’ve built to make an impact:
- Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior.
- Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus.
- Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds.
Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable "home away from home" space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now.
About the Role:
As an intern at Perpay, your main responsibility is to learn. We understand the value of mentorship and offer students an opportunity to gain real work experience before graduation. In the 10-12 weeks we’ll be together, you will have the opportunity to work alongside our merchandising team on exciting projects that will have a direct impact on our customers.
The Perpay Merchandising team has two main areas of focus:
- Demand/Sales Generation - driven through consistent product assortment refinement, building consumer engagement through monthly new SKU adds, and strategic product placement
- Product Margin Management - supported by cost negotiations and establishing retail pricing strategies that offer our customers the best total value while maintaining overall profitability targets
We are responsible for owning the vendor relationships and ensuring all categories are well assorted, appropriately priced, and strategically promoted throughout the year to support the achievement of our sales plan. In this role, you will have the opportunity to experience assortment management, vendor communications, and cross-functional relationship building.
In addition to working on projects of real impact, you will have the ability to meet with various business owners to drive personal and professional development and expand your network. All while developing the skills to succeed in a fast-paced tech start-up environment and experiencing and contributing to our unique culture.
Our greatest strength is our people and we’d love for you to be one of them!
What You’ll Bring:
- Currently enrolled in or will receive a Bachelor’s/ Master’s with an expected graduation date between winter 2026 – summer 2027
- Excellent research and writing skills
- Strong communication abilities
- Good time management
- Critical thinking skills
- Prior work experience in retail is preferred but not required
Bonus:
- Enrolled in a Master’s Degree or advanced technical degree
- Previous work experience in a technical field
Hey, we know not everybody checks all the boxes, so if you’re interested, please apply because you could be just what we’re looking for!
What We’ll Bring For Internship:
- Hourly compensation
- Espresso bar, full kitchen, weekly catered lunches, snacks, beverages, & everyday lunch essentials
- One of a kind office with comfortable work/lounge spaces and pleasant riverfront setting
- Opportunity to gain experience at one of the fastest-growing financial startups in the country in both e-commerce & fintech working cross functionally.
What We’ll Bring to Full-time Team Members:
- Meaningful compensation and equity
- Premium medical benefits (fully paid base plan, and very reasonable premium for the buy-up option)
- 4% employer 401k match
- Unlimited PTO policy
- Remote weeks around major holidays + extra holiday on weekends like MDW and LDW
- High quality catered lunch by local chefs, 4 days / week
- Gym subsidy
- Paid cell phone + plan
- Student loan repayment program
- Relocation assistance
- Generous team member discounts
This is not a remote opportunity; it is 100% onsite (#LI-Onsite) (#LI-TH1) (#LI-AK1)
Perpay is proud to be an equal opportunity employer. We value diversity in all its forms and are committed to creating an inclusive environment. We do not discriminate on the basis of race, religion, color, national origin, gender identity, sexual orientation, sex (including pregnancy), marital status, political affiliation, age, veteran status, disability status or other non-merit factor. Please contact us at careers@perpay.com to request accommodation.