How It Works
Your phone bill, working harder.
Most providers stop at connectivity. Perch goes further—giving you tools that help turn everyday payments into real financial progress.
Pick a plan
Choose from plans starting at $9.99/mo. Sign up in minutes — no credit check required to get started.
01Activate your free credit builder
Every Perch plan includes access to credit building tools. Takes just minutes to get started — at no extra cost.
02Pay your phone bill
Stay on top of your payments like you normally would. Perch helps turn your payment activity into progress toward your financial goals.
03Join millions who are ready to start
Millions of Americans are building credit for the first time. Perch helps you take that first step — and keep moving forward.
04Payment history is one of the biggest factors in your credit score. Perch helps you build consistency and turn everyday payments into forward momentum.
Your phone bill is now your superpower.
For too long, the financial system has locked out young builders. We changed the rules. Perch gives you the tools to turn everyday payments into real credit progress.
- No credit check required to join
- Credit builder included — no extra cost
- Turn everyday payments into credit-building progress
- Track your progress over time
- Unlock better rates on cars, apartments, and loans
Why Perch
Not all providers are created equal.
Traditional providers take your money every month and give nothing back. Perch gives you tools to get more from your payments — including the ability to build credit over time.
Switching Is Easy
Switch in minutes. No store. No hold music.
Switching to Perch is fast, fully online, and built for how you actually want to sign up — no stores, no waiting, no friction.
Pick your plan online
Browse and sign up in minutes — no store visits, no hold times, no hassle.
Keep your number or get a new one
Bring your number with you or start fresh — switching is quick either way.
Activate instantly
Get connected the same day with eSIM or SIM — no waiting around.
Everything handled for you
Start to finish — plan selected, number transferred, service on — in the time it takes to drink a coffee.
Plans That Make Sense.
No hidden fees, no surprise charges. Just straightforward pricing that helps you get ahead.
Powered by the best.
Enjoy lightning-fast 5G data and reliable coverage across the nation on AT&T's premier network.
Hear how people are getting more from their phone plan.
“I needed a phone plan anyway, but with Perch it actually feels like I'm getting something back from my payments.
William H.
“Finally a company that gets it. Simple plans, solid coverage, and tools that actually help you move forward financially.
Sarah L.
“Switched from a major carrier. Same coverage, better experience—and now my payments actually feel like they matter.
Samantha W.