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.

Yes it's a very nice app. prices on the items are a little high and the selection on what they offer could be bigger. However, the credit card you can get is very nice and I do like that it's taken out of the paycheck so you avoid paying fees. It can definitely help your credit out. Great for if you don't want to make a purchase upfront and make installments.

3 year customer with PERFECT payment history always paying MORE than required. Always. Right off the bat I'm going to let you know that there are much much cheaper options. Literally ANYTHING else you can do to aquire the products offered with them would be hundreds or even a thousand dollars cheaper. The products they offer are at minimum DOUBLE what you'd pay if you were just to buy it on Amazon or any retail store. to add to that shipping is not included and equally as outrageous.

What's new

Upgrade support interface