Perpay - Shop and Build Credit
Perpay - Shop and Build Credit App Info
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App Name
Perpay - Shop and Build Credit
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Price
Free
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Developer
Perpay Inc.
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Category
Finance -
Updated
2025-10-15
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Version
3.5.0
Frequently Asked Questions
How do I sign up and get started with Perpay?
Download the app, create an account using your email or phone number, and complete the quick verification process to start shopping and building credit.
Is there a hard credit check when I apply?
No, Perpay does not perform a hard credit inquiry during application, making it accessible regardless of your current credit score.
How can I shop on the Perpay Marketplace?
Open the app, navigate to Marketplace, select your items up to $1,000, and choose the buy now, pay over time option without interest or fees.
How does Perpay help me build my credit?
Choose Perpay+ to report your on-time payments for marketplace purchases to all 3 credit bureaus, helping improve your credit profile.
What are the benefits of applying for the Perpay Credit Card?
The card offers a $1,000 credit limit, 2% rewards, no security deposit, and no annual fee. Application does not impact your credit score.
How do I apply for the Perpay Credit Card?
Go to the app, navigate to the Credit Card section, tap ‘Apply,' and follow the prompts. The process is simple and does not affect your credit score.
Are there any fees or interest charges when I shop or use the Perpay Card?
No interest or fees when shopping through Perpay. The credit card has a $9 monthly servicing fee but no annual fee; no hidden charges.
Can I manage my payments and purchases through the app?
Yes, you can track your purchases, payment schedule, and credit building progress directly within the Perpay app.
What should I do if I experience technical issues with the app?
Try restarting the app or reinstalling it. If problems persist, contact Perpay customer support via the app's help section.
Is there a way to customize my payment reminders?
Yes, go to Settings > Notifications in the app to enable or customize your payment reminder preferences.
