{"app_store_id":1421276642,"slug":"perpay-shop-and-build-credit-1421276642","name":"Perpay - Shop and Build Credit","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/9e/a5/f7/9ea5f704-911b-6bd5-db69-fc863c6df6b8/AppIcon-0-0-1x_U007epad-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/perpay-shop-and-build-credit/id1421276642?uo=4","price":0,"currency":"USD","rating":4.93315,"rating_count":23635,"in_app_purchases":null,"recent_rating":4.9,"recent_review_count":20,"reviews_checked_at":"2026-10-14T14:14:19.790Z","primary_genre":"Finance","version_date":"2026-10-13T13:38:29Z","updated_at":"2026-10-21T09:25:12.586Z","stale":false,"missing_since":null,"one_liner":"Shopping and credit-building app offering up to $1,000 to spend at marketplace brands, with optional credit reporting.","verified_maker":false,"maker_site":null,"file_size_bytes":49160192,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/27/64/31/2764312d-db2e-2729-60d1-b75ad246681b/1.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c3/ac/d6/c3acd606-ff1e-ca3d-b3ad-0476fa8b40e1/2.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/45/e3/32/45e3322b-647f-a204-9ce4-edfd5ca18a06/59__U00284_U0029.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6b/5d/c2/6b5dc2bb-d978-00e5-30c2-038a8acd26f4/BG_Container__U00283_U0029.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d1/1d/33/d11d33a4-4bb6-5047-0936-3f05507abd8c/5.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/78/e9/5b/78e95b1d-51d8-fb23-eb76-c222b40f7224/only_card_powered.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/11/98/52/11985281-f9f5-6bc1-9da8-54a24d022cd8/7.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ed/c3/ae/edc3ae19-463b-3f61-9313-b2cb30a18f2c/8.png/320x480bb.jpg"],"developer_name":"Perpay, Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/perpay-shop-and-build-credit-1421276642/","api_url":"https://apptierlist.com/api/v1/apps/perpay-shop-and-build-credit-1421276642","schema_version":"1.0","generated_at":"2026-10-23T06:57:13.061Z","data_as_of":"2026-10-23T05:59:14.023Z","description":"Make your paycheck work harder for you with Perpay, a certified B Corp. Learn more: https://prpy.co/b-corp\n\nGet 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.\n\nSHOP THE PERPAY MARKETPLACE\n\nUnlock $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.\n\nBUILD CREDIT WITH PERPAY+\n\nChoose to have your Perpay Marketplace payment history reported to all 3 credit bureaus to build credit while you shop.\n\nAPPLY FOR THE PERPAY CREDIT CARD\n\nAccess 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.\n\nThe Perpay Credit Card is issued by Celtic Bank.\n\nPerpay 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\n\n1Applying 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.\n2Annual 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\n3See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program \n\n2400 Market Street, Suite 300, Philadelphia, PA. 19103","facts":{"developer_id":1421276640,"developer_url":null,"first_released":"2018-10-20T21:36:51Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"4.4.0","release_notes":"Fixes and improvements","rating_current_version":4.93315,"rating_count_current_version":23635,"star_counts":null,"genres":["Finance","Shopping"],"languages":["EN"],"content_advisories":null,"device_families":null,"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-21T09:25:12.586Z","catalog_read_at":null,"reviews_checked_at":"2026-10-14T14:14:19.790Z","summary_written_at":"2026-10-18T16:53:11.700Z","placed_at":"2026-10-14T13:34:19.780Z","scored_at":"2026-10-23T05:59:14.023Z"},"editorial":{"one_liner":"Shopping and credit-building app offering up to $1,000 to spend at marketplace brands, with optional credit reporting.","what_is":"Perpay is a free finance app that offers up to $1,000 to shop at brands in electronics, home goods, apparel and more through the Perpay Marketplace, paid back over time with no interest or fees. Users can choose to have their marketplace payment history reported to all 3 credit bureaus, and the app also offers the Perpay Credit Card, issued by Celtic Bank, with a credit line of up to $1,000 and 2% rewards.","good_for":["Shopping for electronics or home goods on payment plans","Building credit through on-time marketplace payments","Comparing a credit card with no annual fee or security deposit"],"pricing":"Perpay - Shop and Build Credit is free to download on the App Store.","faq":[{"q":"Will applying affect my credit score?","a":"The listing says applying for a Perpay Marketplace or Perpay Credit Card account will not affect your FICO or Vantage scores. It notes Perpay may obtain information from Clarity, an alternative credit bureau, which may affect your credit."},{"q":"Does the Perpay Credit Card have an annual fee?","a":"The annual fee is none, but there is a monthly card servicing fee of $9. It also says there is no security deposit. The APR is stated in the Cardholder Agreement linked in the listing."},{"q":"Who issues the Perpay Credit Card?","a":"The Perpay Credit Card is issued by Celtic Bank. Rewards details are in the Perpay Rewards Agreement linked in the listing."}],"model":"claude-haiku-5-5","created_at":"2026-10-18T16:53:11.700Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":12,"tier":"B","score":83.2,"components":{"rating":98.7,"votes":83.7,"rank":50.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T13:34:19.780Z"},{"list":"shopping","list_name":"shopping","list_status":"active","list_url":"https://apptierlist.com/best/shopping/","position":94,"tier":null,"score":70.6,"components":{"rating":98.7,"votes":83.7,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-14T13:34:19.780Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":135666,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1421276642,"app":"perpay-shop-and-build-credit-1421276642","from":"A","to":"B","reason":"rank shift: #12, score unchanged at 83.4, tier full (a quarter of the list)","job":"rescore"},{"id":79563,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1421276642,"app":"perpay-shop-and-build-credit-1421276642","from":null,"to":"A","reason":"score 82.9","job":"rescore"},{"id":79455,"at":"2026-10-14T13:34:19.780Z","kind":"membership_added","list":"shopping","app_store_id":1421276642,"app":"perpay-shop-and-build-credit-1421276642","from":null,"to":"active","reason":"The Perpay Marketplace lets users shop top brands in electronics, home goods and apparel and pay over time.","job":"shadow"},{"id":79454,"at":"2026-10-14T13:34:19.780Z","kind":"membership_added","list":"credit-building","app_store_id":1421276642,"app":"perpay-shop-and-build-credit-1421276642","from":null,"to":"active","reason":"Title and listing center on building credit via Perpay+ reporting to all 3 bureaus and the Perpay Credit Card.","job":"shadow"},{"id":69047,"at":"2026-10-13T02:49:53.013Z","kind":"app_added","list":null,"app_store_id":1421276642,"app":"perpay-shop-and-build-credit-1421276642","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":12,"tier":"B","score":83.2,"components":{"rating":98.7,"votes":83.7,"rank":50.6,"recency":100},"ranks":[{"country":"us","rank":8}],"verdicts":[{"verdict":"keep","reason":"Title and listing center on building credit via Perpay+ reporting to all 3 bureaus and the Perpay Credit Card.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T13:34:19.780Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T13:34:19.780Z","attempts":1,"current":true}]},{"list":"shopping","list_name":"shopping","status":"active","review_status":"checked","position":94,"tier":null,"score":70.6,"components":{"rating":98.7,"votes":83.7,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"The Perpay Marketplace lets users shop top brands in electronics, home goods and apparel and pay over time.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T13:34:19.780Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T13:34:19.780Z","attempts":1,"current":true}]}]},"data_version":41582,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/perpay-shop-and-build-credit-1421276642/"}}