Perpay - Shop and Build Credit
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
What's New
Fixes and improvements
Details
- Developer
- Perpay, Inc.
- Main Category
- Finance
- Version
- 3.8.0
- Version Release
- 2026-06-15
- Initial Release
- 2018-10-20
- Size
- 39 MB
- Age Rating
- 4+
- Price
- Free
- Languages
- EN
- Bundle ID
- com.perpay.mobile
- Version Rating
- ★ 4.93 (12,968)
- First Seen
- 2026-06-07
Metadata updated 2026-07-19
Rank History
Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)
Only 4 day(s) of data collected. More data will reveal meaningful trends.
Free Rankings
Paid Rankings
No rankings
Competitive Benchmark — Finance Top 10
What it takes to beat this app — comparison with the category's top apps. The orange row is the current app.
| # | App | Price | Rating | Ratings | Langs | Last Update |
|---|---|---|---|---|---|---|
| 1 | Kalshi: Trade the World Cup | Free | ★ 4.82 | 394,010 | 1 | 2026-07-15 |
| 2 | Polymarket | Free | ★ 4.64 | 52,282 | 1 | 2026-07-18 |
| 3 | Cash App | Free | ★ 4.79 | 8,533,427 | 2 | 2026-07-13 |
| 4 | PayPal - Pay, Send, Save | Free | ★ 4.78 | 6,298,539 | 36 | 2026-06-11 |
| 5 | Venmo | Free | ★ 4.85 | 15,467,102 | 1 | 2026-07-09 |
| 6 | Capital One Mobile | Free | ★ 4.85 | 10,851,900 | 2 | 2026-07-07 |
| 7 | Trump Accounts: Official App | Free | ★ 4.80 | 6,901 | 1 | 2026-07-14 |
| 8 | Chase Mobile®: Bank & Invest | Free | ★ 4.84 | 9,315,675 | 2 | 2026-06-29 |
| 9 | Chime® – Mobile Banking | Free | ★ 4.82 | 1,524,802 | 1 | 2026-07-14 |
| 10 | OnePay – Mobile Banking | Free | ★ 4.86 | 380,162 | 1 | 2026-07-14 |
| 100 | Perpay - Shop and Build Credit | Free | ★ 4.93 | 12,968 | 1 | 2026-06-15 |
User Reviews
I love this app but I can’t seem to find a “make a full payment” option to fully pay off an item. I lost my job and I can’t expect someone else in my house to pay it off for me, so I need to do it now.
it has made my life a little easier to make big purchases
Easy as shopping on Amazon with the added bonus of paying over time and having it reported to the Credit Bureaus every month. The payment goes out directly from my payroll so I literally do nothing but own awesome products and have my FICO score increase because of it.
When you really want something you can’t pay right away in full, Perpay is there to help!
Perpay is so amazing.
Love the site
As long as you pay your bill this card is for 🫵🏾!! You pay they pay just that simple!!! Money Always Comes!!
I enjoy using this method of utilizing my credit to get it better standing. Things I want are inflated for sure but none the less I like the option.
I love it already and I’m new
Its a very awesome experience using perpay,, not only getting items of what u want its the brands u like as well. And not only that, credit score is low this app helps u as well. Love it 🤙👍
Reviews are collected only for apps with detected changes (new entries or sharp risers).