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Perpay - Shop and Build Credit

Perpay - Shop and Build Credit

Shop, pay later, build credit

11K ratings
1095 reviews
With Ads#105 in free Finance
💰 Finance
🛍️ Shopping
Free
With Ads

Details

  • Released
  • Updated
  • October 20, 2018
  • June 15, 2026

Features

Developer

Perpay, Inc.
✨Promote your app ✨
Perpay - Shop and Build Credit screenshot #1 for iPhone
Perpay - Shop and Build Credit screenshot #2 for iPhone
Perpay - Shop and Build Credit screenshot #3 for iPhone
Perpay - Shop and Build Credit screenshot #4 for iPhone
Perpay - Shop and Build Credit screenshot #5 for iPhone
Perpay - Shop and Build Credit screenshot #6 for iPhone
Perpay - Shop and Build Credit screenshot #7 for iPhone
Perpay - Shop and Build Credit screenshot #8 for iPhone
Perpay - Shop and Build Credit screenshot #9 for iPhone
iphone
ipad
📉no. 105
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.1K
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📝40+ tags
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🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
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About

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

✓Access up to $1,000 to spend
✓Shop top brands on marketplace
✓Pay over time with no interest/fees
✓Build credit by reporting payments
✓Apply for a credit card with rewards
✓No impact to FICO/Vantage scores for applications
Show original description

What users say

Summarized from real user reviews of Perpay. Based on 11K reviews and a 4.9/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Easy payment setup
  • 🚀Fast delivery
  • 🔍Wide product selection
  • 💳Builds credit
  • 💳Convenient automatic payments
  • 🤝Good customer service

Negative things

  • 💰Overpriced items
  • 🕰️Slow shipping and approval process
  • 🤖Poor app performance and glitches
  • 📞Lack of phone support
  • 🔁Difficulty with returns and refunds
See all reviews

What's New in Perpay

3.8.0

June 15, 2026

Fixes and improvements

Charts

Top Free

📉 105-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on July 18, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Would recommend

Great app give you access to credit to use for whenever needed plus your building or rebuild your credit as they report to the credit burials. I love it.
gpatellgpatell

Me

Awsome
bcugiof goodbcugiof good

The best!!

I love Perpay everything that I always wanted I can finally afford it by making payments that I can afford. Payments come out on time shipping is fast and my credit score has been going up. Made the right choice in choosing Perpay.
PoufaVitaleMoefuPoufaVitaleMoefu

Perpay review

I really recommend if your just getting started and trying to get things to fit your needs fast great deals fast delivery love it
VontaeThaTruthVontaeThaTruth

LOVE PERPAY

I have purchased big ticket items from PERPAY. I love it here. I have requested for other items to be showcased on the site. I am hopping to see them real soon as I am a big crafter like Epson 15000 or Cricut Venture hint hint..
Koko BrooksKoko Brooks
See 1090 more reviews

User experience

🐞

Reported Bugs

3 issues

Incorrect item shipments

Bug

Payments not properly applied to accounts

Bug

Spending limits not updated accurately

Bug
✨

Requested Features

4 requests

Faster shipping options

Feature

Improved app performance and stability

Feature

More affordable pricing

Feature

Better customer support channels

Feature

FAQ

What does Perpay do?

Perpay allows you to access up to $1,000 to shop for a variety of products on its marketplace. You can pay for your purchases over time with no interest or fees. Additionally, the app offers features to help you build your credit history.

How can I build credit with Perpay?

You can build credit by choosing to have your Perpay Marketplace payment history reported to all three major credit bureaus. This feature, Perpay+, helps establish a positive credit record as you make your payments.

What are the costs associated with Perpay?

Shopping on the Perpay Marketplace allows you to pay over time with no interest or fees. The Perpay Credit Card has no annual fee, though there is a monthly card servicing fee. Specific APR details can be found in the Cardholder Agreement.

Is Perpay available on all devices?

The provided description does not specify compatibility with different operating systems or devices. However, it is presented as a mobile application, suggesting availability on smartphones and tablets.

What are the benefits of the Perpay Credit Card?

The Perpay Credit Card offers access to a credit line of up to $1,000 with no impact to your credit score upon application. It also provides 2% rewards and has no security deposit or annual fee.