Perpay - Shop and Build Credit
What is Perpay?
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.
Pricing. Perpay - Shop and Build Credit is free to download on the App Store.
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
Screenshots
Why this app is in B tier
Perpay scores 83 out of 100: rating 99, rating count 84, App Store search rank 51, update recency 100. The four parts are averaged with no weights, and B tier follows from that score within this list. The full explanation, as data.
Description
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 Market
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Alternatives
See all 22 ›Where else it ranks
Questions about Perpay
Will applying affect my credit score?
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.
Does the Perpay Credit Card have an annual fee?
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.
Who issues the Perpay Credit Card?
The Perpay Credit Card is issued by Celtic Bank. Rewards details are in the Perpay Rewards Agreement linked in the listing.
Is Perpay free?
Perpay is free to download.
What is Perpay good for?
Perpay is built 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. It sits in the credit building list on AppTierList.
Is Perpay worth it?
Perpay is B tier, ranked #12 of 23 credit building apps with a score of 83 out of 100, from a 4.9 App Store rating across 23,463 ratings. Good, and 11 apps rank above it.
How does Perpay compare to Possible?
Perpay is B tier at 83; Possible is B tier at 84. Possible ranks higher. Perpay is free to download, Possible is free, with no in-app purchases.
How often is Perpay updated?
Perpay was updated 7 days ago, which counts in its favour.
All the facts
- List
- Credit Building
- Tier
- B (Good)
- Score
- 83 / 100
- Rank in list
- #12 of 23
- Ranking certainty
- settled
- Price
- Free download
- App Store rating
- 4.9 out of 5
- Number of ratings
- 23,463
- Recent reviews
- 4.9 from 20 in the last 180 days
- Current version
- (7 days ago)
- App Store data read
- App Store category
- Finance
- 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
- Requires
- iOS 16.4 or later
- Size
- 47 MB
- Age rating
- 4+
- Languages
- 1
- Maker
- unclaimed
- As data
- JSON · why it ranks here
Ranking refreshed · how it is computed