Perpay - Shop and Build Credit

Name: Perpay - Shop and Build Credit
Availability: InStock
Rating: 4.269867420196533 (6026 reviews)
Author: Perpay Inc.

Perpay Inc.

4.3

6.03K reviews

1M+

Downloads

Everyone

About this app

Make your paycheck work harder for you with Perpay, a certified B Corp. Learn more: https://prpy.co/b-corp

Get up to $1,000 to spend now. Build credit by paying it back automatically each time you get paid. No crazy fees or predatory interest.

SHOP THE PERPAY MARKETPLACE

Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

BUILD CREDIT WITH PERPAY+

Choose to have your Perpay Marketplace payment history reported to all 3 credit bureaus to build credit while you shop.

APPLY FOR THE PERPAY CREDIT CARD

Access up to a $1,000 credit line and 2% rewards³ with no impact to your credit score to apply¹, no security deposit and no annual fee².

The Perpay Credit Card is issued by Celtic Bank.

Perpay is a certified B Corp, which means that we are a part of the global movement for an inclusive, equitable, and regenerative economic system. B Corps are dedicated to using business as a force for good and meet high verified standards of social and environmental performance, transparency, and accountability to all of their stakeholders. Learn more: https://prpy.co/b-corp

¹Applying for a Perpay Marketplace or Perpay Credit Card account will not affect your FICO® or Vantage® scores. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau.
²Annual fee: None. Monthly card servicing fee of $9. APR: the APR for the Perpay Credit Card can be found in the Cardholder Agreement: https://perpay.com/legal/credit-card-agreement
³See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program

2400 Market Street, Suite 300, Philadelphia, PA. 19103

Updated on

19 Jun 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.

This app may share these data types with third parties

Personal info, Financial info and 3 others

This app may collect these data types

Personal info, Financial info and 4 others

Data is encrypted in transit

You can request that data be deleted

Ratings and reviews

4.3

5.91K reviews

Sashy B

19 June 2025

can't use the shop or click set up direct deposit. the shop just keeps loading and never loads. I keep getting an error on the app and on the web trying to set up direct deposit. fix your stupid bugs. Update: I finally got it to work, and now I am enjoying the entire process. Yea, things may be a little more than buying it outright, but that is to be expected. Got my items in and they work great. No issues since the beginning.

Heather Johnson

6 June 2025

convenient! Market- its nice to have the option to pay over time with it coming right from your pay. It helps when you just cant afford it up front and also hate the hassle of waiting for the payment to come out of your checking account. The credit card- it is great to help build credit, this also comes out of your payroll. It restricts the card if for some reason your payment from payroll doesn't come. This to me helps with not acurring more debt than you can afford!!

1 person found this review helpful

Joshua Magoon

18 June 2025

Where to start perpay has a wide variety of items to chose from and with their direct deposit payment method it's almost impossible to miss a payment you know it's already going to be taken out so every paycheck you know what your budget will be! their delivery is fast on smaller items but bigger items takes a little more time. All in all if your looking for a service to help build your credit and get big ticket items this is the place!