Age Rating
4+
Apps in this category do not contain restricted content.
9+
Apps in this category may contain mild or occasional cartoon, fantasy or real-life violence, as well as occasional or mild adult, sexually suggestive or horrifying content and may not be suitable for children under 9 years of age.
12+
Apps in this category may contain occasional mild indecent language, frequent or intense cartoon or real-life violence, minor or occasional adult or sexually suggestive material, and simulated gambling, and may be for children under 12 years of age.
17+
You must be at least 17 years old to access this App.
Apps in this category may contain frequent and intense offensive language; Frequent and intense cartoon, fantasy or realistic violence: frequent and intense adult, scary and sexually suggestive subjects: as well as sexual content, nudity, tobacco, alcohol and drugs, may not be suitable for children under 17 years of age.

About Perpay - Shop and Build Credit

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 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.
²Annual 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
³See our Rewards Agreement for more details on the Perpay Credit Card rewards program: https://perpay.com/legal/credit-card-rewards-program

2400 Market Street, Suite 300, Philadelphia, PA. 19103
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What's New in the Latest Version 3.7.1

Last updated on Jun 3, 2026
Old Versions
Bug Fixes and Improvements
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Version History
3.7.1
Jun 3, 2026
Bug Fixes and Improvements

Perpay - Shop and Build Credit FAQ

Perpay - Shop and Build Credit is available in regions other than the following restricted countries:
Ireland,Morocco,Burkina Faso,Indonesia,Tonga,Russia,Slovenia,Angola,Cameroon,Guinea-bissau,Anguilla,Nepal,South Korea,St. Lucia,Mauritius,Philippines,Saudi Arabia,Ecuador,Honduras,Kyrgyzstan,Venezuela,Yemen,New Zealand,Zimbabwe,Bhutan,Dominican Republic,Finland,Armenia,Gambia,Palau,Taiwan,Tanzania,Kosovo,Jamaica,St. Kitts and Nevis,Nigeria,Romania,Senegal,Turks and Caicos,Turkey,Azerbaijan,Bermuda,Malta,Iceland,Panama,Papua New Guinea,United Arab Emirates,Bahamas,United Kingdom,Cayman Islands,Montenegro,Mozambique,Netherlands,Portugal,Belgium,Canada,Fiji,Sao Tome & Principe,Egypt,Libya,Moldova,Cape Verde,Lao Peoples Democratic Republic,Lebanon,Mauritania,Rwanda,Afghanistan,Barbados,Bahrain,Norway,Swaziland,Ghana,Italy,Japan,Nauru,Peru,Paraguay,Trinidad and Tobago,Ukraine,Bulgaria,Bolivia,Cambodia,Jordan,Myanmar,Macao,Malawi,Micronesia,Gabon,India,Guatemala,Malaysia,Namibia,Serbia,Switzerland,Algeria,France,Luxembourg,Nicaragua,Oman,Qatar,Sierra Leone,Antigua And Barbuda,Chile,Iraq,Tunisia,Kuwait,Lithuania,Uganda,Turkmenistan,Austria,Estonia,Thailand,Kenya,Madagascar,Bosnia & Herzegovina,Botswana,Grenada,Croatia,Sweden,St. Vincent & The Grenadines,Vietnam,Congo,Cyprus,Guyana,Singapore,Slovakia,Niger,Tajikistan,Vanuatu,Congo, Democratic Republic,Colombia,Hungary,Solomon Islands,Israel,Liberia,Mali,Hong Kong,Macedonia,Poland,Suriname,Belize,Cote Divoire,Costa Rica,Denmark,Georgia,El Salvador,Uruguay,Zambia,Brunei Darussalam,China,Czech Republic,Maldives,Argentina,Brazil,Greece,Dominica,Spain,Latvia,Montserrat,Seychelles,Australia,Benin,Germany,Uzbekistan,Chad,Albania,Sri Lanka,Mexico,Pakistan,British Virgin Islands,South Africa,Belarus,Kazakhstan,Mongolia
Click here to learn how to download Perpay - Shop and Build Credit in restricted country or region.

Perpay - Shop and Build Credit Alternative

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