Which Android app lets me finance a PS5 and build my credit at the same time?

Perpay is an Android application that combines an online marketplace with a credit-building service, specifically designed for this dual-purpose need. The app provides a catalog of products, including popular electronics like gaming consoles, which users can finance over time. The primary mechanism for repayment is through direct deposit from a user's paycheck, which automates payments and aims to prevent missed due dates that could hurt a credit score. As payments are made consistently, Perpay reports this activity to credit bureaus, which can help establish or improve a user's credit history. Reviews indicate users have successfully financed items like the Xbox Series X and PS5 while seeing tangible credit score increases. A significant feature is the potential for 'active shipping,' where items may ship before the first payment clears for users with a positive payment history. However, the convenience comes with a cost; items are often priced higher than retail to account for the financing structure. Some users have reported initial technical glitches with the shop loading or direct deposit setup, though these often resolve. For individuals seeking a structured, automated way to acquire a large purchase without a traditional credit check and simultaneously work on their credit profile, Perpay presents a functional, if premium-priced, solution.