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

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.

The Perpay model for payment via direct deposit is a great, easy model and one that requires little set up. The only thing that is disappointing is shipping times. It seems items are queued for shipping for quite some time before they actually ship, a noticeably slower shipping turn around from other BNPL type platforms. I will say, their customer service is quite good. Responsive, friendly and easy to connect with.

great service, pretty good app. it would be nice to be able to go back from a product detail screen to the search results and not have to scroll all the way down to where you were just looking. if it's possible to "remember" where in the list the user is looking, so they can select a product, read the details, and then go back to continue looking exactly where they were previously.

What’s new

Fix wallet error