Perpay - Shop and Build Credit

Perpay Inc.

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

Ratings and reviews

No complaints. Prices are higher than what you'd find in stores. That said, the ease of use is great. The hardest part is the setup. They give you in-store credit to start and after responsible use they will send an actual credit card. Payments for both come directly out of your paycheck. It would be hard to screw this up and is a great way to help build credit and show responsible credit use. Great app for those starting out or trying to fix past mistakes.

I really enjoy PerPay so far. I used it to get my favorite perfume that's usually wayyy out of my price range. The app is pretty straightforward and walks you through the steps. It didn't have an option for "Semi Monthly" pay (what i have), so I was worried that it would affect my credit score or account. I messaged customer service and got a bot at first, but then was promptly assisted by real people which I really appreciate. I think a "wishlist" feature would be a great addition

Sounds great until you do the math. $104 for something that is a max of $49.99 in store. $60+ for something that is $32 in store. There is buying with credit and paying extra then there is literally paying double or more then add the ridiculous shipping of $20+. The selection is terrible unless you are looking to buy high dollar things like electronics. Unless you have literally no other options, don't do it.

What’s new

Upgrade support interface