# Perpay - Shop and Build Credit — Shop, pay later, build credit > Shop now, pay later, and build credit with a certified B Corp. (iPhone/iPad app by Perpay, Inc..) - Source: https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642 (this page in markdown: same URL + `.md`) - Developer: [Perpay, Inc.](https://appshunter.io/developer/1421276640) - Category: Finance, Shopping - Price: Free - Rating: 4.90/5 from 15,501 App Store ratings · 1,303 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 39 MB - Languages: American English - Released: 2018-10-20 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642/reviews.md ## What is Perpay? Make your paycheck work harder for you with Perpay, a certified B Corp. Learn more: https://prpy.co/b-corp Get up to $1,000 to spend now. Build credit by paying it back automatically each time you get paid. No crazy fees or predatory interest. SHOP THE PERPAY MARKETPLACE Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees. BUILD CREDIT WITH PERPAY+ Choose to have your Perpay Marketplace payment history reported to all 3 credit bureaus to build credit while you shop. APPLY FOR THE PERPAY CREDIT CARD Access up to a $1,000 credit line and 2% rewards³ with no impact to your credit score to apply¹, no security deposit and no annual fee². The Perpay Credit Card is issued by Celtic Bank. Perpay is a certified B Corp, which means that we are a part of the global movement for an inclusive, equitable, and regenerative economic system. B Corps are dedicated to using business as a force for good and meet high verified standards of social and environmental performance, transparency, and accountability to all of their stakeholders. Learn more: https://prpy.co/b-corp ¹Applying for a Perpay Marketplace or Perpay Credit Card account will not affect your FICO® or Vantage® scores. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau. ²Annual fee: None. Monthly card servicing fee of $9. APR: the APR for the Perpay Credit Card can be found in the Cardholder Agreement: https://perpay.com/legal/credit-card-agreement ³See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program 2400 Market Street, Suite 300, Philadelphia, PA. 19103 ## Key features - 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 ## Chart rankings - #114 in Top Free · Finance (US App Store) ## What do users think of Perpay? Overall sentiment: neutral **Pros** - 💳 Easy payment setup - 🚀 Fast delivery - 🔍 Wide product selection - 💳 Builds credit - 💳 Convenient automatic payments - 🤝 Good customer service **Cons** - 💰 Overpriced items - 🕰️ Slow shipping and approval process - 🤖 Poor app performance and glitches - 📞 Lack of phone support - 🔁 Difficulty with returns and refunds **Commonly reported bugs** - Incorrect item shipments - Payments not properly applied to accounts - Spending limits not updated accurately **Most requested features** - Faster shipping options - Improved app performance and stability - More affordable pricing - Better customer support channels ## Recent user reviews (10 of 1,303) All indexed reviews: https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642/reviews.md ### 5/5 — Perpay *2026-08-27, version 3.8.3* Never have to worry about minimum payments. Comes right out my check without the hassle ### 5/5 — Absolutely the best I love it *2026-08-27, version 3.8.3* Was very skeptical whenever I first was introduced to the app, but after setting it up and receiving the actual item, I ordered all skepticism aside. This is an awesome awesome service ### 5/5 — Best App to build credit *2026-08-26, version 3.8.3* I was trying few apps to build up my credit. Since I try Perpay I can’t regret it! I bought my I watch since mines broke. Once I made the first payment came fast and I just made my last payment and can’t say nothing but thanks, even I got some issues to pay them since I change from job, they make it easier for me to pay off the rest of the bill. Thank you Perpay!! I give them 5 star !!! ### 5/5 — Customer service *2026-08-26, version 3.8.3* I had this guy Franklin that i communicated with during the process of getting direct deposit and the way perpay works and I couldn’t ask for a faster response then what I received.That is what made me say it’s worth it.Price a few dollars more then in stores but for credit I like it.Thanks for allowing trust in me this all fell in perfect timing because I recently paid the derogatory accounts off I had on my credit report trying to build credit again so I can buy me that new vehicle I promised I will get before age takes my license from me.Thanks perpay and Franklin ### 1/5 — Horrible business *2026-08-25, version 3.8.3* Company was suppose to refund me 450$ and still have not refunded me 150$ will never recommend this company to anyone ### 5/5 — The best *2026-08-25, version 3.8.3* Perpay have changed my life. I love it building my credit. My credit score have changed tremendously. ### 5/5 — I love you . *2026-08-25, version 3.8.3* I love you (in Patrick star voice ). ### 5/5 — Thankful *2026-08-24, version 3.8.3* The most significant difference in my life has been this app ### 5/5 — My Favorite App *2026-08-24, version 3.8.3* I love the convenience of never worry about making my payments on time , while getting quality items and building credit .i wish they had a bigger bed selection maybe this will happen in the near future .. ### 5/5 — Purchases *2026-08-24, version 3.8.3* Perpay helps me with my credit and I find products that I want without issues ## Frequently asked questions about Perpay ### 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. ## Version history (last 5 releases) ### 3.8.3 — 2026-08-18 Fixes and improvements ### 3.8.0 — 2026-06-15 Fixes and improvements ### 3.7.1 — 2026-06-03 Bug Fixes and Improvements ### 3.7.0 — 2026-05-14 Improvements ### 3.6.1 — 2026-04-27 Updated app icon ## Apps similar to Perpay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Klarna: Smarter everyday money](https://appshunter.io/ios/app/klarna-smarter-everyday-money/id1115120118) | 4.9 (2,345,709) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,711,052) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (551,600) | Free | Finance | | [Beem: Cash Advance & Banking](https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476) | 4.2 (32,000) | Free | Finance | ## Related topics [credit building shopping](https://appshunter.io/ios/topics/credit-building-shopping) · [inc building](https://appshunter.io/ios/topics/inc-building) · [perpay](https://appshunter.io/ios/topics/perpay) · [perpay credit card](https://appshunter.io/ios/topics/perpay-credit-card) · [ach credit](https://appshunter.io/ios/topics/ach-credit) · [prepay app](https://appshunter.io/ios/topics/prepay-app) · [perpay marketplace](https://appshunter.io/ios/topics/perpay-marketplace) · [build credit business](https://appshunter.io/ios/topics/build-credit-business) · [fingerhut](https://appshunter.io/ios/topics/fingerhut) · [odiopay](https://appshunter.io/ios/topics/odiopay) · [monthly payment plan](https://appshunter.io/ios/topics/monthly-payment-plan) · [barabara sacco](https://appshunter.io/ios/topics/barabara-sacco) · [payper](https://appshunter.io/ios/topics/payper) · [charge credit](https://appshunter.io/ios/topics/charge-credit) · [pay later shopping](https://appshunter.io/ios/topics/pay-later-shopping) · [finhero](https://appshunter.io/ios/topics/finhero) · [cemah](https://appshunter.io/ios/topics/cemah) · [byberpay](https://appshunter.io/ios/topics/byberpay) · [esusuhive](https://appshunter.io/ios/topics/esusuhive) · [credit karma money checking account](https://appshunter.io/ios/topics/credit-karma-money-checking-account) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*