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Perpay - Shop and Build Credit

Perpay - Shop and Build Credit

Shop, pay later, build credit

16K ratings
1371 reviews
#104 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 20, 2018
  • August 18, 2026

Features

Developer

Perpay, Inc.
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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. 104
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.4K
Reviews↘︎
📝40+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
Updates frequency↘︎
🖼️Get Icon
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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 16K 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

3.8.3

August 18, 2026

Fixes and improvements

Charts

Top Free

📈 104+2

Finance

This app rose +2 positions in Finance chart.

Last updated on September 17, 2026.

User reviews

Most RecentHighest RatedLowest Rated

The brands you want, easy payments

Super easy way to purchase the high-quality items you’ve been dreaming of. All while building your credit. Perfect for the brands I love.
CboydshopperCboydshopper

Pretty good so far

I ordered an iPhone 12 because I love the iPhone 12 although payments are pretty expensive, but even though the new iPhone 17 is out lol i could’ve gotten an upgrade lol but anyways I love the iPhone 12 so here we are 4 stars just because the payments are too high
LendelBLendelB

Phenomenal

One of the best apps I’ve ever downloaded, helps with building
your credit !! all around a wonderful app
blancodadonnblancodadonn

Happy customer

I love receiving my items on time
Happy LadiiHappy Ladii

Very good

Items comes fast too
Drive39Drive39
See 1366 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.