Perfect for: Individuals looking to build or improve their credit score while shopping for everyday items.
Track Perpay - Shop and Build Credit's performance in Finance over the last 30 days
Current Rank
#50
Best Rank
#50
All-time high
Average Rank
#50
30-day average
*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
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!
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. ๐๐ฏ
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
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.
Perpay Inc.
9/8/2025