Your Employee Benefit
$3,500 ✓
0% APR ✓
No Hidden Fees ✓
No Credit Check ✓

We provide hard-working people a platform to get what they need now & pay-over-time via payroll deductions by your employer

Featured Products

New products are coming soon!

About Us

The Best Customer Experience

Our goal is to make sure we support you every step of the way. If there is an issue, our customer service staff are ready to help you over email or a phone call. We value you, not as a customer, but as a human being. We've built an amazing platform for you guys and our motto is: DELIVER THE BEST PRODUCTS AT THE MOST CONVENIENT PRICES ALIGNED WITH INDUSTRY LEADING CUSTOMER SERVICE. Thanks for giving us a chance, because Gratyfi is for you. It's David vs Goliath, but we all will win, No doubt about that. 

Committed to Quality

We only offer the best products on the market and will never sell you crap. Our machine learning algorithms help suggest suitable products based on your order and or search history, We exist for you and our goal is to bring you the best products, instant large-ticket purchases and fast shipping,  You pay us over time whenever you get paid. There is no rush and no annoying sales calls. No credit check, 0% APR, instant approval, bad credit doesn't matter at Gratyfi! We are changing the credit scoring system for hard-working, under-served Americans.

Shop with us and have the best products with industry leading customer support, we treat people like human beings -- not as numbers. 

100% Satisfaction Guaranteed

While shopping with us, we want you to be completely happy with the experience. If you have questions about us, our products, or even shipping, get in touch! We build lasting relationships with all of our customers. We hope you continue to shop with us and only us. At Gratyfi, we hope to develop personalized and REAL customer relationships with you for many years to come. Remember: No credit check, bad credit doesn't matter -- just be employed and you'll pay us back in installment payments with 0% APR always. The first Ecommerce site for the hardworking people, not benefiting the greedy people who take all they can from you, like credit card companies.

Feel free to reach out to us directly with any issues and we will personally handle it for you

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Contact Us


Gratyfi is absolutely game-changing and is one of the most disruptive, positive difference makers to the e-commerce / consumer credit market. We educate, help & protect our customers in large impulse purchases.

Our technology is built on advanced machine learning algorithms, AI, predictive analytics, and very deep risk analysis that's never been done in this combined method in the micro-lending/e-commerce space. We will challenge & beat the American Credit/FICO Scoring System. 

Gratyfi Inc.

Beverly Hills, California, United States

+ 1 646-965-6200