Perpay - Shop and Build Credit
4.5star
7.72K reviews
1M+
Downloads
Everyone
info
About this app
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
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
Updated on
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Ratings and reviews
4.5
7.58K reviews
Eric
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April 1, 2026
I've been using the app a few years and have purchased some high ticket items. Straight forward pricing, no interest. Straight out your paycheck. I I lost my job and ended up taking a few months off. While they did report non payment as they should, they allowed me to pick up right where I left off and I've even gotten a credit limit increase which surprised me. My limits around like $3400. They've been good to me and I'll always be a good customer back. Sorry for the lapse.
1 person found this review helpful
Brandon Hodge
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April 2, 2026
I really enjoy it. Yes a lot of stuff is a bit overpriced but the payments are usually small. I have bought a washer,steam mop, speakers, ear buds, and a few other things and haven't had an issue yet besides the shipping time on the washer took forever! Besides that its been great! Love that it just comes out of my paycheck and I don't ever have to worry about missing a payment.
Brandon Hicks
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February 16, 2026
Better Than Expected!! I was a little leery about ordering from this company due to a little higher price of items being sold elsewhere. I will say this though... if you don't have the capability to make a big purchase all at once, pay the little bit extra for the convenience. You set up direct deposit payments to come out ea h paycheck. The site says 3-5 business days after first payment is made to ship, but that is to give themselves the time. I had both items delivered the next day! Worth it!
12 people found this review helpful
What’s new
Fixes and improvements
App support
About the developer
Perpay, Inc.
2400 Market St Ste 300
Philadelphia, PA 19103-3033
United States
+1 866-986-1359
