Perpay - Shop and Build Credit

Name: Perpay - Shop and Build Credit
Rating: 4.841733 (10518 reviews)
Author: Perpay Inc.

By: Perpay Inc.

Make your paycheck work harder for you with Perpay.

Features & Capabilities

Perpay is a certified B Corp empowering you to make your paycheck work harder. It offers up to $1,000 to spend now on electronics, home goods, apparel, and more through the Perpay Marketplace. You can build credit effortlessly by repaying automatically with each paycheck, with an option to report payment history to all three credit bureaus through Perpay+.

Additionally, Perpay offers a credit card with up to a $1,000 credit line and 2% rewards, all with no annual fee, no security deposit, and no impact on your credit score when applying. Their transparent approach features no hidden fees or predatory interest, promoting financial inclusion and responsible use of credit. Discover a better way to shop and build credit responsibly with Perpay.

User Growth & Download Statistics

App Shopping

By:

Perpay Inc.

Downloads:

2,433,161 9.40K

Rating:

4.84

(10,518) 306 new ratings

Version:

3.7.1 Last updated: 2026-06-01

Version code:

1780334114

Creation date:

2018-10-19

Publisher country:

Permissions:

android.permission.CAMERA Very high risk
android.permission.READ_EXTERNAL_STORAGE High risk
android.permission.SYSTEM_ALERT_WINDOW High risk
com.google.android.gms.permission.AD_ID Moderate risk
android.permission.FOREGROUND_SERVICE Low risk
android.permission.INTERNET Low risk
android.permission.POST_NOTIFICATIONS Low risk
android.permission.READ_APP_BADGE Low risk
android.permission.RECEIVE_BOOT_COMPLETED Low risk
android.permission.USE_BIOMETRIC Low risk

Size:

70.48MB

Email:

he*****@perpay.com

URLs:

Website ,Privacy policy

Full description:

Source:

Google Play Store

Data ingested on:

2026-06-04

Compare stats and ranking:

Ranking

# 39,008 ▲ 28

Other rankings

#123 in Finance (Free) ▼ 15

Other platforms

Perpay - Shop and Build Credit (v3.7.0)

4.90

(8,829)

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Android app. Please use these information below to contact the Android app developer.

Developed by:

Perpay Inc.

Google Play Store

https://play.google.com/store/apps/details?id=com.perpay.mobile

Email:

he*****@perpay.com

Website:

https://perpay.com

User Reviews

Overall, users appreciate Perpay for credit-building benefits, convenience, and the ability to buy big-ticket items with automatic paycheck-based payments, plus reliable delivery and easy tracking. Many reviews highlight fast, simple shopping and predictable auto-payments from direct deposit. However, recurring issues include onboarding barriers (registration failures, address/verification problems, login code delays), money-handling frustrations (payments taken or orders not delivered with slow refunds), and limited customer support access. Some users report delays in shipping post-payment and concerns about pricing. Despite positives, these reliability and service gaps appear across multiple reviews.

Pros

Helps build and improve credit score
Easy, fast, and convenient to shop; easy checkout
Automatic payments directly from paychecks/direct deposits
Access to big-ticket items with installment payments
Timely delivery with easy tracking

Cons

Registration/onboarding problems (can't register, address step blocks, login code issues)
Money taken from paychecks or charged without shipment; refunds/verification hassles
Difficulty contacting customer service; limited support options

Recent reviews

Perpay has been reporting my payments to the credit bureaus and the items I have ordered are the real deal. The quality, delivery and improved credit score make the higher prices worth it to me I wouldn't be able to get these items without the help of Perpay

Sa*****, 2026-05-29

it's okay. I paid my balance off on the credit card with my bank account and they suspended it until I get a direct deposit from my employer of the amount of 75.00. So I can't even use my card even though I paid the full balance off. it kept saying update direct deposit but I had money left over in which every time I used the card it kept taking away from the balance. but it still suspended my account. even i tried to call the phone number it let me go through only thru chat bot. and I sent an