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

Definitely a good way to buy things and build credit. Although I have run into an issue with the direct deposit set up. My employer isn't an option on the automatic set up so I had to submit a form to them to set up the DD. The deposits are hitting my account and things are being paid off, but for some reason the app isn't recognizing that I have, in fact, set up direct deposit. So I have to wait until my next deposit hits for me to actually get the item I selected. That has been very annoying.

I love Perpay. I have been with been with them for a while now. The only thing is that there is an issue with updating the weblinks through instant app in the Google play store settings to update the payroll in the app. The problem? Instant App was discontinued last year and the option to do so is no longer available. Ther isn't an alternative from what I can see. I wish perpay helped out with this. That and get more house essentials on the site. Other than that, I am loving it. 😀

I've been using the app a few years and have purchased some high ticket items. Straight forward pricing, no interest. Straight out your paycheck. I I lost my job and ended up taking a few months off. While they did report non payment as they should, they allowed me to pick up right where I left off and I've even gotten a credit limit increase which surprised me. My limits around like $3400. They've been good to me and I'll always be a good customer back. Sorry for the lapse.

What’s new

Fixes and improvements