Perpay - Shop and Build Credit
Perpay Inc.
4.1 ★
7K ratings
1,000,000+
downloads
Free
With this shopping and credit-building app, you can browse top brands, make purchases, and manage repayment plans. Includes marketplace access, credit report reporting, and rewards tracking.
AppRecs review analysis
AppRecs rating 3.8. Trustworthiness 75 out of 100. Review manipulation risk 28 out of 100. Based on a review sample analyzed.
★★★☆☆
3.8
AppRecs Rating
Ratings breakdown
5 star
68%
4 star
9%
3 star
4%
2 star
3%
1 star
16%
What to know
✓
Low review manipulation risk
28% review manipulation risk
✓
Credible reviews
75% trustworthiness score from analyzed reviews
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
About Perpay - Shop and Build Credit
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
Perpay - Shop and Build Credit Screenshots
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Reviews for Perpay - Shop and Build Credit
Ms. Trellis Smith
12/28/2025
Absolutely love Perpay order with ease. Delivery came on time.
Shawn Cohen
12/28/2025
I'm a bit disappointed. My payroll deduction was paid 12/17/2025.It's been 10 days and the computer monitor I purchased shows it hasn't even shipped. to make things worse I have contacted support and was told I'd hear from someone within 24 hours. it's been more than 24 hours and nothing. is there anyone actually working at PerPay or is this some new self driving A.I. fulfilment center on the fritz?
