Imagine a financial app that combines the joy of shopping with the opportunity to improve your credit score. That’s exactly what Perpay offers—a unique platform designed to help users make their paycheck work harder for them while building a better financial future. As a certified B Corp, Perpay is committed to using business as a force for good, focusing on social and environmental responsibility while providing innovative financial solutions.

• Shop the Perpay Marketplace

With Perpay, you can unlock up to $1,000 to shop top brands in electronics, home goods, apparel, and more through the Perpay Marketplace. The best part? You can pay over time with no interest or fees. This flexible payment option makes it easier than ever to purchase the items you need without the stress of high interest rates.

• Build Credit with Perpay+

Want to enhance your credit history? Choose to have your payment history reported to all 3 credit bureaus through Perpay+. This way, your on-time payments for marketplace purchases contribute directly to building your credit profile. It's a smart way to shop while improving your credit score effortlessly.

• Apply for the Perpay Credit Card

Perpay also offers a credit card with a $1,000 credit line featuring 2% rewards. The application process is simple and does not impact your credit score, with no security deposit or annual fee required. Issued by Celtic Bank, the Perpay Credit Card comes with transparent terms—see the Cardholder Agreement for more details. Plus, there’s no annual fee, only a $9 monthly servicing fee.

Perpay stands out because of its commitment to social responsibility as a certified B Corp. This means the company adheres to high standards of social and environmental performance, transparency, and accountability. By integrating shopping with credit building, Perpay offers a win-win solution for users seeking financial empowerment.

I recently discovered Perpay - Shop and Build Credit, and it quickly became a game-changer for me. The app’s ease of use and the ability to shop around a vast selection of products without hefty fees or interest made my shopping experience enjoyable. Best of all, each purchase helps me build my credit history because Perpay reports my payments to all major credit bureaus. Seeing my credit score improve with consistent, on-time payments is genuinely motivating.

When I signed up, I appreciated that there was no hard credit check during the application, making it accessible even if your credit isn’t perfect. The automatic paycheck deduction system ensures I don’t miss payments, and I can quickly track my purchases and progress within the app. It’s like having a mini-mall and a credit-building tool all in one pocket-sized package.

If you’re searching for a smarter way to shop and simultaneously boost your credit score, Perpay offers an innovative and responsible solution. With flexible payment options, rewards, and a focus on social impact, it’s an excellent choice for those looking to manage their finances more effectively. Whether you’re outfitting your home, updating your tech, or simply looking to improve your credit profile, Perpay - Shop and Build Credit could be the app that transforms your financial journey.