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  • Perpay - Shop and Build Credit screenshot 1
  • Perpay - Shop and Build Credit screenshot 2
  • Perpay - Shop and Build Credit screenshot 3
  • Perpay - Shop and Build Credit screenshot 4

About Perpay - Shop and Build Credit

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

Ratings & reviews

4.9

21.7K ratings

5 ★ 96% 4 ★ 3% 3 ★ 1% 2 ★ 0% 1 ★ 1%

What’s new

Version 4.1.0 · Updated September 30, 2026

Fixes and improvements

App privacy

The developer, Perpay, Inc., reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Purchases: Purchase History
  • Contact Info: Email Address, Phone Number, Physical Address, Name
  • Usage Data: Product Interaction
  • Identifiers: User ID
  • Financial Info: Payment Info, Credit Info, Other Financial Info

Used for: Developer’s Advertising or Marketing, Analytics, Product Personalization, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Diagnostics: Crash Data

Used for: App Functionality

Alternatives to Perpay - Shop and Build Credit

Looking for apps like Perpay - Shop and Build Credit? Here are 6 similar apps on the App Store. The highest rated is Ava: Build Credit Fast (4.9/5), and all 6 are free to download.

Perpay - Shop and Build Credit vs. alternatives
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Perpay - Shop and Build Credit 4.9 / 5 (21,783 ratings) Free September 30, 2026
Katapult | Shop & Lease to Own 4.8 / 5 (28,874) Free Sep 21, 2026 Compare
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Ava: Build Credit Fast 4.9 / 5 (50,277) Free Sep 24, 2026 Compare
PayLater: Split Your Payments 3.5 / 5 (305) Free Oct 1, 2026 Compare

Compare Perpay - Shop and Build Credit with the top alternatives: ratings, updates, ASO score and keyword gaps →