Perpay - Shop and Build Credit

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 28 Aug 2026

4.9 16425 ratings · App Store

1. 1/5Scam don’t miss payment. You’ll never get a line of credit from them again even if you pay it back.

   This would’ve been a good company to go through, but they scammed you out of a lot of things. They don’t tell you if you miss a payment and end up paying your stuff off you can never get no credit from them no more they don’t tell you that it’s not worth anything to help your credit cause anything can happen anybody can go through a financial downfall, but if a person takes a time and pay off the stuff doesn’t mean a lot and show their credibility but instead to them, you have no reliable credit so you will never be able to order nothing from them no more so my advice to anybody is if anything happen and you fall behind on your payment don’t pay it off cause you’ll never get the credit again to be able to fix your credit so at the end of the day it’s a good company, but it also is a scam

   Missouri84 · 30 Aug 2026

2. 5/5Blessed

   So amazing and if you’re having trouble setting them up just manual add the deposit yourself which of course you can! For instance I work warehouse and since they never updated my ADP number for me and I’m locked out of mu account not being able to log in instantly I had to set them up manually! But lol I get paid 2 days early, but I notice by Friday how they receive my payments, and now I have to remember that lol and not get anxious! lol, but yeah I love watching my limit increase and my balance decrease lolll as I make payments!! Also disclaimer: you must have a minimum deposit for shipping first which I put down $17 ish but everyone’s different it depends on your order amount! but with my direct deposit I set it to the required minimum shipping amount but also too u could set your direct deposit to fully go to perpay and they’ll send u whatever u didn’t use back to your debit card or bank on file!! Personally I didn’t set my full direct deposit to go them but you can if you’re comfortable! I just like to be paid with my third party bank but yes feel free to do whatever! Another disclaimer though last, but not least so you start off with a $1,000 limit but it may go down successfully after your first payment was successful! I have a $600 credit line for now but I am grateful

   wxylabxar · 30 Aug 2026

3. 5/5Perfect for the imperfect

   I can honestly say the Perpay credit card has been a game changer for me. If you’re someone like me who hasn’t always had the best credit but is truly trying to get things back on track, this card is an amazing opportunity. What I love most is that it doesn’t make you feel punished for your past. Instead, it actually helps you build toward a better financial future in a way that feels manageable and realistic. The structure keeps you accountable without being overwhelming, and you can literally see your progress over time. For anyone trying to rebuild, this isn’t just another credit card—it’s a tool that works with you, not against you. I’d even go as far as to say it’s the perfect investment for the imperfect person. It gives you a real chance to prove to yourself (and your credit) that you’re capable of doing better. If you’re serious about improving your credit and want something designed to support that journey, Perpay is definitely worth it.

   kaybae2019 · 30 Aug 2026

4. 2/5Regarding shipping partner and product availabilities

   I have been a long-standing customer of Perpay for over seven years and I have bought a lot of things from Perpay a lot of Apple products from propane. My most recent purchase was a pair of AirPods Pro 3 and waited for them to ship it to me to ship or being FedEx is now tying up my shipment till who knows when it was supposed to be delivered today. It was not it still says delivery available at end of day. Well here it is it’s almost 8 o’clock Eastern daylight time, and I still have not received confirmation of shipment delivery nor has been posted or updated that it is being put on their trucks or anything like that for something to be this small taking this long to be delivered it’s unacceptable. I need these for my job so I can hear customers I work in a retail environment so I can hear customers. This is vital important to me into my health, but it’s also important that the folks sent Perpay, which is a good app, but yet some products that I need are still not available with them for some unknown reason, but with that being said, her pain needs to update their systems and use better shipping partners FedEx not really that great of a reliable shipping partner to use UPS. Excellent I’ve had a lot of products shipped through UPS and got them on time delivered in the tying spot, they were expected to be delivered, but not this one now I’m waiting till after the holiday to get it delivered to my house so I can sign for it. This is unacceptable.

   Bad review2026 · 30 Aug 2026

5. 5/5Great way to get big $$ items

   This service offers a chance to purchase bigger items while also building your credit. since payments are made from your direct deposit it’s hard to miss a payment or get behind. I’ve been using this service for years and have gotten several large ticket items. The process is easy, the delivery is quick, the items are as expected and with the payment being direct deposit I don't really even notice it coming out of my check. The cost of items are noticeably more expensive than they would be if you purchased them outright, but your payments have no interest or fees so it evens out.

   Lizzylizq · 30 Aug 2026

4.8 13247 ratings · Google Play

1. 5/5

   easiest way to get the things you want

   Martin Finerson · 29 Jul 2026

2. 1/5

   ordered a bottle of mens cologne received a bottle of womens perfume

   Josh B · 29 Jul 2026

3. 5/5

   Wonderful! 😊👍

   Pamela Holloway · 29 Jul 2026

4. 5/5

   So easy to qualify, excellent for the upcoming holidays, and birthdays.

   Anne Sowell · 29 Jul 2026

5. 5/5

   been great easy way to buy stuff wit weekly payments 💯

   David Murphy · 29 Jul 2026

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• 3.8.2 · 23 Jun 2026
• 3.8.3 · 17 Aug 2026