Perpay: Build Credit

Name: Perpay - Shop and Build Credit
Rating: 4.49824 (28 reviews)
Author: Perpay, Inc.

by Perpay, Inc.

★4.5

Perpay lets you shop top brands and build credit simultaneously. Get up to $1,000 to spend on electronics, home goods, and more. Pay over time with no interest or fees and improve your credit score.

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About Perpay - Shop and Build Credit

Perpay offers a unique way to shop and build your credit. Unlock up to $1,000 to spend on the Perpay Marketplace, featuring top brands in electronics, home goods, and apparel. Pay over time with manageable installments, and without any interest or hidden fees. With Perpay+, you can have your payment history reported to all three major credit bureaus, turning your shopping into an opportunity to **build credit**. You can also apply for the Perpay Credit Card, potentially accessing a credit line up to $1,000 with 2% rewards. Applying won't impact your credit score, and there's no security deposit. Perpay is a certified B Corp, committed to using business as a force for good. It meets high standards of social and environmental performance, transparency, and accountability. Shop responsibly and **improve your financial health** with Perpay. It's a great way to **manage your finances** and access the products you need while simultaneously **building a strong credit history**.

Key Features

•Shop top brands in the Perpay Marketplace
•Build credit by reporting payments to credit bureaus
•Apply for the Perpay Credit Card with rewards

Why Users Love It

✓Offers a way to build credit

✓Provides access to shop top brands

"Great app for building credit while making necessary purchases."

Perfect for: Perfect for those looking to build credit while shopping for everyday essentials and electronics.

📊Ranking History

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

Top 5

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Top 15

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Current Rank

#43

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Best Rank

#43

🏆

All-time high

Average Rank

#43

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30-day average

Questions & Answers

What's a good iOS app for building credit while shopping for everyday items?

Perpay - Shop and Build Credit offers a unique approach to building credit. Instead of just another credit card, it provides a curated marketplace whe...

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User Reviews

Cdb1202

★★★★★

9/1/2025

I’ve had nothing but a great experience with Perpay it helps me get higher priced things when I need them and not have to pay for it up front, small payments each week it has been a huge help for me… thanks Perpay for this opportunity I love it Perpay I’ve had nothing but a great experience with Perpay it helps me get higher priced things when I need them and not have to pay for it up front, small payments each week it has been a huge help for me… thanks Perpay for this opportunity I love it

Ladyk1982

★★★★★

7/16/2025

I love this app trust me you wouldn’t be disappointed Great app I love this app trust me you wouldn’t be disappointed

danger1977

★★★★★

7/14/2025

I love Perpay one of my favorite places to shop Brandon stansbury I love Perpay one of my favorite places to shop

Dpartyboi

★★★★★

7/13/2025

This program is great and has started helping my partner and I build credit together towards building our future business together This program is great so far! This program is great and has started helping my partner and I build credit together towards building our future business together

Agustin Cedeno

★★★★★

7/12/2025

Perpay is great and has a lot of great items I would recommend I love Perpay Perpay is great and has a lot of great items I would recommend