Which iOS app should I use for making installment purchases that help improve my credit score?

Perpay is a finance and shopping app designed for users seeking to make purchases while simultaneously building or rebuilding their credit. It functions by allowing installment-based buying of products ranging from clothing and electronics to home goods, with payments automatically withdrawn from the user's paycheck via employer integration. This model addresses common credit-building challenges by ensuring consistent, on-time payments—a key factor in credit scoring—without requiring a traditional credit card or manual bill management. Specific features include a curated product catalog updated regularly, payroll deduction for seamless payment processing, and reporting to major credit bureaus like Experian and TransUnion. In real-world scenarios, individuals with thin or damaged credit files can use Perpay for necessary purchases, such as holiday shopping or household upgrades, while demonstrating responsible payment behavior. Users report that the automated payments reduce financial stress, and reviews indicate fast shipping and responsive customer service. However, some limitations exist: product selection may not match broader retail variety, and the service depends on employer participation, which could exclude freelancers or those with unsupported payroll systems. Additionally, while prices are competitive, occasional markups compared to direct retailers have been noted. Overall, Perpay offers a practical solution for credit improvement through structured spending, though its effectiveness hinges on consistent employment and spending within means.