Perpay operates as a dual-purpose financial platform that merges installment shopping with credit-building capabilities. Developed by Perpay Inc., the certified B Corporation positions itself as an alternative to traditional credit products by eliminating interest charges and fees while providing access to merchandise from electronics to apparel. The app's business model relies on payroll integration, requiring users to set up direct deposit for automated payment processing. The core functionality centers on two interconnected features: the Perpay Marketplace and Perpay+. The marketplace provides immediate shopping access with credit limits up to $1,000, featuring products from various categories including electronics, home goods, and clothing. Payments are automatically deducted from users' paychecks in installments, typically spanning several pay periods. The complementary Perpay+ service reports these payment histories to major credit bureaus, enabling users to build or improve their credit profiles through consistent, on-time payments. User experience varies by device and connection quality, with some reviewers reporting technical issues during initial setup. The interface follows conventional e-commerce patterns with product browsing, cart management, and order tracking features. Real-world usage patterns show most users making regular purchases between $200-$800, with payments typically structured over 2-4 month periods aligned with biweekly payroll cycles. The direct deposit requirement creates a structured payment environment that reduces missed payment risks. User feedback indicates generally positive experiences with specific technical exceptions. Christopher Edgington (July 2, 2025) reported successful purchases including electronics and automotive items while noting credit score improvements. Sashy B (June 19, 2025) experienced persistent loading errors during shop access and direct deposit setup, though later resolved these issues. Multiple reviewers including Heather Johnson (June 6, 2025) praised the automated payment convenience and credit-building benefits, while Joshua Magoon (June 18, 2025) noted variable delivery times depending on product size. The platform demonstrates strongest utility for users seeking structured purchasing with credit benefits, though several limitations merit consideration. The mandatory direct deposit requirement excludes users with irregular income streams or those preferring manual payment control. Technical reliability issues, particularly during account setup phases, may frustrate some users despite eventual resolution. The credit-building component, while valuable, requires consistent purchasing and payment behavior to generate meaningful credit profile impacts, making it less effective for occasional users.