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Perpay - Shop and Build Credit

This app hands users the power to shop now, pay later, and forge a stronger financial future without predatory fees.

Finance & Utilities Management ›Shopping & Deals ›

Key Figures

Downloads

2.5M+

User Rating

4.6/5

Total Ratings

9.5K

Publisher

Perpay, Inc.

An evaluation of functionalities designed to empower individuals in building credit and managing finances responsibly.

Perpay - Key Features Analysis

Credit Building with Perpay+

It enables users to build credit by reporting their Perpay Marketplace payment history to all three major credit bureaus, leveraging their shopping activity for financial growth.

Perpay Marketplace

The app allows users to shop top brands in electronics, home goods, and apparel on the Perpay Marketplace, offering up to $1,000 to spend and pay over time with no interest or fees.

Perpay Credit Card

This tool features a credit card with up to a $1,000 credit line, 2% rewards, no security deposit, and no annual fee, designed for individuals building credit.

Soft Credit Check for Card Application

It allows users to apply for the Perpay Credit Card without affecting their FICO® or Vantage® scores, providing a low-risk option for exploring credit card eligibility.

FAQ

Frequently Asked Questions

Everything you need to know about Perpay - Shop and Build Credit

What is Perpay?

Perpay is a certified B Corp that allows users to shop top brands and build credit by making automatic payments from their paychecks, with no interest or fees on Marketplace purchases.

How does Perpay help users build credit?

Perpay helps users build credit through Perpay+ by reporting their Marketplace payment history to all three credit bureaus. Consistent payments from their paycheck contribute to credit score improvement.

Does Perpay charge interest or fees for its Marketplace purchases?

No, Perpay does not charge interest or fees for purchases made through the Perpay Marketplace. Users pay over time without additional costs.

What is the maximum spending limit with Perpay?

Users can get up to $1,000 to spend instantly with Perpay. This limit applies to purchases within the Perpay Marketplace.

Does applying for the Perpay Credit Card impact my FICO or Vantage score?

Applying for a Perpay Credit Card account does not affect your FICO® or Vantage® scores. However, information from Clarity may affect your alternative credit profile.

Does the Perpay Credit Card have an annual fee?

No, the Perpay Credit Card does not have an annual fee. However, a monthly card servicing fee of $9 applies.

What are the benefits of the Perpay Credit Card?

The Perpay Credit Card offers up to a $1,000 credit line, 2% rewards, no security deposit, and no annual fee. Applying does not impact FICO or Vantage scores.

What is the role of Perpay+ in building credit?

Perpay+ allows users to have their Perpay Marketplace payment history reported to all three credit bureaus. This reporting is crucial for building a credit profile.

How does Perpay utilize a user's paycheck?

Perpay works by connecting to your direct deposit. It automatically deducts payments from your paycheck for purchases, enabling you to pay over time and build credit.

Is Perpay a certified B Corp?

Yes, Perpay is a certified B Corp. This means it meets high verified standards of social and environmental performance, transparency, and accountability.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Perpay - Shop and Build Credit - See how the app highlights its trusted accreditations like the Certified B Corporation status and clearly displays the immediate spending limit with diverse shopping categories. — See how the app highlights its trusted accreditations like the Certified B Corporation status and clearly displays the immediate spending limit with diverse shopping categories.
Instant Spending Power

Perpay - Shop and Build Credit - This view showcases the transparent "Pay in 10" payment structure for purchases, alongside the clear assurance of no credit score impact or hidden fees. — This view showcases the transparent "Pay in 10" payment structure for purchases, alongside the clear assurance of no credit score impact or hidden fees.
Flexible Payment Options

Perpay - Shop and Build Credit - This image highlights the app's significant user base, indicated by "2+ million app downloads", and its positive reception with a prominent 4.5-star rating. — This image highlights the app's significant user base, indicated by "2+ million app downloads", and its positive reception with a prominent 4.5-star rating.
Community Trust & Growth

Perpay - Shop and Build Credit - Users can visualize the sleek design of the Perpay Credit Card and understand its World Mastercard benefits, designed for convenient mobile use. — Users can visualize the sleek design of the Perpay Credit Card and understand its World Mastercard benefits, designed for convenient mobile use.
Card On The Go

Perpay - Shop and Build Credit - This visual emphasizes the unique "paycheck-powered" nature of the card and highlights key advantages such as earning "2% rewards" and having "no annual fee". — This visual emphasizes the unique "paycheck-powered" nature of the card and highlights key advantages such as earning "2% rewards" and having "no annual fee".
Paycheck-Powered Card

Perpay - Shop and Build Credit - The app proudly displays a collage of diverse member profiles and their associated point gains, illustrating the vast and active "millions of Perpay members". — The app proudly displays a collage of diverse member profiles and their associated point gains, illustrating the vast and active "millions of Perpay members".
Thriving User Community

Perpay - Shop and Build Credit - This screenshot demonstrates how users can manage their finances by showing the "Score History" graph and the direct "Deposit your paycheck to Perpay" feature. — This screenshot demonstrates how users can manage their finances by showing the "Score History" graph and the direct "Deposit your paycheck to Perpay" feature.
Optimized Paycheck Management

The image proudly features the "Certified B Corporation" logo, reinforcing the app's dedication to transparency and social responsibility.

Commitment to Values

Description

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