Perpay - Shop and Build Credit icon

Perpay: Build Credit

by Perpay Inc.

โ˜…4.3
ANDROIDFinance

Perpay helps you build credit while you shop. Get up to $1,000 to spend on top brands and build your credit history with automatic payments reported to all 3 credit bureaus.

My Full Experience

Perpay is a certified B Corp that allows you to shop and **build credit** simultaneously. Unlock up to $1,000 to spend on electronics, home goods, apparel, and more in the Perpay Marketplace. Pay over time with no interest or fees. Choose to have your Perpay Marketplace payment history reported to all three credit bureaus, further enhancing your credit profile as you shop. You can also apply for the Perpay Credit Card and access up to a $1,000 credit line with 2% rewards, without impacting your credit score to apply. There's no security deposit and no annual fee, making it an accessible option for many. Perpay is committed to being a force for good, meeting high standards of social and environmental performance. The Perpay Credit Card is issued by Celtic Bank. With Perpay, you can improve your **financial health** by responsibly managing your spending and **building credit** history. It's a convenient way to shop for the things you need while simultaneously working towards a better credit score. Perpay offers a unique approach to **credit building**, combining shopping with financial responsibility.

Key Features

  • โ€ขShop top brands in electronics, home goods, and apparel.
  • โ€ขBuild credit by having your payment history reported to credit bureaus.
  • โ€ขApply for a credit card with rewards and no impact to your credit score.

Why Users Love It

โœ“Build credit effortlessly
โœ“Shop top brands easily

Perfect for: Individuals looking to build or improve their credit score while shopping for everyday items.

Screenshots

Perpay - Shop and Build Credit screenshot 1Perpay - Shop and Build Credit screenshot 2Perpay - Shop and Build Credit screenshot 3Perpay - Shop and Build Credit screenshot 4Perpay - Shop and Build Credit screenshot 5Perpay - Shop and Build Credit screenshot 6

๐Ÿ“ŠRanking History

Track Perpay - Shop and Build Credit's performance in Finance over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#50

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Best Rank

#50

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All-time high

Average Rank

#50

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30-day average

User Reviews

Christopher Edgington
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Jul 2, 2025

*UPDATE 2* Xbox Series X, Meta RayBans, 2 brand new car tires & a pair of Nikes paid off. PS5 w/ extra controller coming next. My total overall credit limit has increased by $350 on the app & my actual credit has went up like 20 pts!. They gave me a higher credit limit than other similiar apps, by far!!!. It takes approx a week after the 1st payment. Once you get some things ordered, you can get "active shipping" which is where they will ship your item even before the 1st payment goes through

Joshua Magoon
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Jun 18, 2025

Where to start perpay has a wide variety of items to chose from and with their direct deposit payment method it's almost impossible to miss a payment you know it's already going to be taken out so every paycheck you know what your budget will be! their delivery is fast on smaller items but bigger items takes a little more time. All in all if your looking for a service to help build your credit and get big ticket items this is the place!

Cory Loux
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Jul 29, 2025

I was more than happy with my purchases from prepay. sure the total price for my items was slightly higher than buying from big name stores but not having to come up with the cost all at once was worth the price for me. having my ps5 when I wanted it and the added points to my credit score while paying it off was noticeable faster than I had planned. I would recommend them to anyone and im sure I will be using them again and again. ๐Ÿ‘๐Ÿ’ฏ

Tasha Pittman
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Jun 29, 2025

perpay is awesome and affordable make it able to get the stuff you want to not pay outrageous prices and not all at one time

Michelle Moore
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Aug 25, 2025

I enjoy using Perpay! it's a good way to purchase things you want and need at a affordable price. it does help build your credit and I love the fact that I don't have to worry about missing payments or having late payments. My payments come straight from payroll. I will recommend this to my friends, family and others.

App Details

Developer

Perpay Inc.

Platform

android

Rating

โ˜…4.3

Last Updated

9/8/2025