1. Home
  2. 💰 Finance
  3. Perpay
Perpay - Shop and Build Credit

Perpay - Shop and Build Credit

Shop, pay later, build credit

16K ratings
1271 reviews
#114 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 20, 2018
  • August 18, 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. 114
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.3K
Reviews↘︎
📝40+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

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

📉 114-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on August 27, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Great Company

This method of credit has been great. No late payments, steady positive reports on my credit report to help rebuild credit score
Cjerome100Cjerome100

Awesome

Excellent
warrenskywarrensky

Love It!

I love Perpay - It’s one of the best Credit cards I’ve enjoyed in a very long time.
Anike BayAnike Bay

Love it

Great account to have. Speedy Service with quality products.
Trecie39Trecie39

Terrible Service

They have no customer service. Lost my job so I missed a few payments. Got back on track paying $120/month with zero change in my balance after 3 months. They're literally stealing from me at this point.
DanStaufferDanStauffer
See 1266 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.