Perpay - Shop and Build Credit: A Modern Way to Shop and Grow Your Credit
Make your paycheck work harder for you with Perpay, a certified B Corp. With Perpay you can get up to $1,000 to spend now and 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, making it easier to purchase what you want without upfront high costs.
Build Credit with Perpay+
Choose to have your Perpay Marketplace payment history reported to all three major credit bureaus to build credit while you shop. This feature turns everyday purchases into a pathway for credit growth.
Perpay Credit Card
Access up to a $1,000 credit line and 2% rewards with no impact to your credit score to apply, no security deposit, and no annual fee. The Perpay Credit Card is issued by Celtic Bank. Perpay is a certified B Corp, part of the global movement for an inclusive, equitable, and regenerative economic system that uses business as a force for good.
Perpay as a B Corp
Perpay is committed to high standards of social and environmental performance, transparency, and accountability to all stakeholders. As a certified B Corp, it aligns business success with positive social impact and responsible stewardship.
Important Disclosures
Applying for a Perpay Marketplace or Perpay Credit Card account will not affect your FICO or Vantage scores. We may obtain information from other sources that could affect your credit profile. There is no annual fee for the Perpay Credit Card, with a monthly card servicing fee in some scenarios. APR details are provided in the Cardholder Agreement, and rewards program details are available in the rewards agreement.
What Is Perpay?
Have you ever dreamt of shopping while simultaneously improving your credit score? Perpay combines shopping with building your credit score. It offers a platform where you can buy products and pay over time, all while building your credit—like having your cake and eating it too.
How Does It Work?
When you sign up, Perpay evaluates your spending habits and income to determine your spending limit. There’s no credit check involved, making it accessible to many who might be challenged by traditional credit. Once in, you can shop from a wide range of products, and the total purchase is divided into smaller, manageable payments automatically deducted from your paycheck.
Shopping Experience
The app feels like a mini-mall with a user-friendly interface and a broad product selection—from the latest tech gadgets to stylish home décor. Each purchase helps build credit, adding a joyful extra dimension to the shopping experience.
Building Credit
Perpay reports your payment activity to major credit bureaus, so on-time payments can help boost your credit score over time. It’s a straightforward, low-friction way to improve your financial standing without the usual hassle of traditional credit-building apps.
Final Thoughts
Overall, Perpay – Shop and Build Credit offers an innovative path to smarter shopping and credit growth. The ease of automatic payments paired with the satisfaction of seeing your score trend upward makes it a standout option for those seeking a modern approach to financing and credit-building. If you’re in the market for a smarter way to shop and build credit, Perpay is worth trying.
Pros
- No credit check required.
- Interest-free purchasing.
- Wide range of products.
- Simple app interface.
- Helps build credit score.
Cons
- Limited to U.S. residents.
- Requires direct deposit setup.
- High prices for some items.
- Slow shipping times.
- Limited customer support.
