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.
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.
3.8.0
June 15, 2026
Fixes and improvements
3 issues
Incorrect item shipments
Payments not properly applied to accounts
4 requests
Faster shipping options
Improved app performance and stability
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.
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.
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.
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.
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.
