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

Better Than Expected!! I was a little leery about ordering from this company due to a little higher price of items being sold elsewhere. I will say this though... if you don't have the capability to make a big purchase all at once, pay the little bit extra for the convenience. You set up direct deposit payments to come out ea h paycheck. The site says 3-5 business days after first payment is made to ship, but that is to give themselves the time. I had both items delivered the next day! Worth it!

I definitely like using the PerPay credit building features, the reason I'm giving 4 stars and not five is because it took them 6 months to report anything to the credit bureaus, but when they did my credit score jumped 32 points. really easy to use, direct deposit is really easy to set up, lot of really cool things to buy from the marketplace. all the features are really easy, just took a really long time to start reporting my credit.

The service is okay. They give an amount you can spend on the credit card, access to their marketplace, and a form of credit monitoring. However, the marketplace is WILDLY overpriced. You'll pay at least double what an item is worth. Repayments on the card are horrible, too. Currently, my monthly payment on a $600 balance is $205. Not sure if this is even worth it anymore, honestly. Edit: I asked why my payment was so high and got "because it is" and they stopped talking to me.

What’s new

Fixes and improvements