Screenshots
Description
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.
Editor Opinion
So here's my take on Perpay - Shop and Build Credit. I've tested a bunch of finance apps and this one's pretty solid. The ability to borrow up to $1,000 without interest or fees is a big plus, and being able to build credit through the payments is really useful. And the credit card is a nice perk too. The only downsides I've found are the somewhat limited marketplace selection and the fact that it can get a little repetitive after a while. But overall, if you're looking to buy stuff and improve your credit at the same time, Perpay is definitely worth a look.
Pros & Cons
Pros
- Borrow up to $1,000 with no interest or fees
- Payments get reported to credit bureaus to build credit
- Option to apply for Perpay credit card with 2% rewards
- Smooth app experience, easy to use
Cons
- Marketplace selection is a bit limited
- Can get repetitive after using it for a while
- Might not have everything you're looking for
Specifications
| Updated | 05.09.2025 |
| Category | Finance |
| Age Rating | Everyone |
| Developer | Perpay Inc. |
| Android | Android 11++ |
| Package Name |
com.perpay.mobile |
Ratings
User Reviews
This use to be a decent option. Not anymore, I have a $1,250.00 limit with less than $50.00 owed. My payments have been made on time yet anytime I order...
Awesome program, saved Christmas! Great selection of items to buy and your credit limit goes up quickly after a few payments. It's easy to overspend and end up with $200+...
When you are still making payments on an order you get maybe one or two notifications every few days or so. However, once you have paid that order off and...
Rate this app
Help others by rating key aspects of this app
App Permissions
This app requires 14 permissions to function properly:
Frequently Asked Questions
Similar Apps
Investor’s Business Daily
Quicken Simplifi: Budget Smart
MoBill Budget and Reminder
Stoxy PRO – Stock Market Live
ATM Cash Advance・Instant Money
Wise: International Transfers
MoneyLion: Banking & Cash Back
Skrill – Fast, secure payments
Propel EBT & SNAP Benefits
Flex – Rent On Your Schedule
Navy Federal Credit Union
