Perpay - Shop and Build Credit

Perpay Inc.

About this app

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% rewards² with no hard credit check, no security deposit and no annual fee¹.


The Perpay Credit Card is issued by Celtic Bank.

¹Annual 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

²See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program

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

Ratings and reviews

I really like the app. It's definitely helping my credit score. That said. If you purchase something and it doesn't fit, such as shoes I purchased, it's a very long process to return. It was very frustrating. I won't buy clothes or shoes from here again. The other thing is if you look up the exact same items on Amazon the price on PerPay is A LOT HIGHER! Everything is way overpriced. Other than that I have enjoyed using PerPay for the purpose of improving my credit score.

Love this app, brought my credit score up about 75 points just from using my account for about 6 months. Only giving it 4 stars because if there was a "pay now" button that you could press so that if you've already received your check but the payment hasn't come out of your account, you have the option to initiate it. I've had a problem for a few months where, the money is taken out of my account 3 days after I get paid, which isn't bad, I'm just used to the immediate withdrawal which I prefer.

First off, the idea and such behind the app is great and Perpay has it spot on and has helped many people on the credit journey path. Now unfortunately, the app does not display correctly on my device to me. Upon logging in and getting to the dashboard, nearly every block, data and text is shifted to far to the left out of viewing range. I can somewhat make out what's being said, that is limited though.

What's new

Fixes and improvements