Been using Perpay – Shop and Build Credit for a couple months now. It’s basically an app that lets you borrow up to $1,000 to shop at their online marketplace. The cool thing is, you can use that money to build your credit too – it reports your payments to the credit bureaus.
Here’s how it works: you apply and they give you a credit limit you can use to buy stuff from their shop. Then you pay it back a little at a time out of your paycheck. There’s no interest or fees, which is pretty nice. And you can even apply for their credit card which gives you 2% rewards.
Look, if you’re trying to build credit or just want to buy some new stuff without having to save up a ton, Perpay is worth checking out. It’s not perfect – the selection in the marketplace is kinda limited. But overall it’s a solid option and helps you get what you want now while improving your credit score.
