Perpay - Shop and Build Credit
Perpay, Inc. Finance iPhoneiPadiPod touch
Perpay - Shop and Build Credit is a free Finance app for iPhone and iPad by Perpay, Inc. Rated 4.9/5 from 21,783 ratings. Requires iOS 16.4.
- Rating
- 4.9
- 21.7K ratings
- Price
- Free
- on the App Store
- Size
- 43 MB
- Age 4+
- Updated
- Sep 30
- 2026 · v4.1.0
Screenshots
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
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.
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Katapult | Shop & Lease to Own
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Deferit: Pay bills in 4
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OneBlinc Cash Advance
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VANSi - Cash Advance
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Ava: Build Credit Fast
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PayLater: Split Your Payments
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| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| 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 |
| Deferit: Pay bills in 4 | 4.8 / 5 (35,113) | Free | Sep 30, 2026 | Compare |
| OneBlinc Cash Advance | 4.8 / 5 (14,912) | Free | Sep 14, 2026 | Compare |
| VANSi - Cash Advance | 4.7 / 5 (28,960) | Free | Sep 28, 2026 | Compare |
| 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 |