Application record · ID 1421276642
Perpay - Shop and Build Credit
by Perpay, Inc. · Finance · Free
- Average rating
- 4.9
- 15.4K ratings
- Ratings
- 15.4K
- On store since
- 2018
- 7 yrs 239 d
- Languages
- 1
Analyst summary
Last verified 17 Aug 2026Perpay - Shop and Build Credit is a Finance application published by Perpay, Inc.. It holds a 4.9-star average across 15,438 public ratings.
It is actively maintained: the most recent update we observed shipped 15 Jun 2026. The listing has been on the store for 7 yrs 239 d.
On the listing it is a 38.7 MB download, runs on iPhone 5s and newer · iPad.
Position in category
Each bar shows where Perpay - Shop and Build Credit sits in the distribution of Finance apps we track. Percentiles are computed over apps with the field observed, not the whole category.
Distribution computed with the category report · Full category report
Review intelligence
Medium confidenceUsers praise the app for its credit building capabilities and ease of use, though some report issues with product availability and customer service.
I have had Perpay for 4 years and I Must say this is the best buy now pay later no interest service I have ever used.
Was really turned off after I was all setup and then told they couldn’t split my paycheck themselves. Funny cause they had my bank account information and even made test charges. Really rude customer service agent too. I’ll just save up to get a computer. Awful experience.
Trajectory: stable · recomputed when new reviews arrive · limitations
Health timeline
A dated record of what has actually happened to this app — launch, updates, price moves and record-board milestones. Every point is a stored observation, never an estimate.
- 18 Aug 2026 Board Entered Best Free in Finance Best position observed: #5.
- 18 Aug 2026 Board Entered Highest Rated in Finance Best position observed: #5.
- 15 Jun 2026 Update Updated to v3.8.0 The most recent version we observed on the listing.
- 20 Oct 2018 Launch Launched on the App Store Original release date stated on the listing.
Dates are read from the listing and from our own daily observations; the rating curve accrues going forward. How we track.
Listing & advisories
Download size
38.7 MB
Minimum iOS
15.1
Devices supported
iPhone 5s and newer · iPad
Age rating
4+
Advisories
None listed by the publisher
Screenshots
9 on the listing
Screenshots are hotlinked from the public store listing and belong to the publisher.
Rankings this app appears on
Peer set
Peers are well-rated apps in Finance, selected by category and rating — not by similarity of description, so the comparison is like-for-like on scale.
| App | Rating | Ratings | Price |
|---|---|---|---|
| Perpay - Shop and Build Credit | 4.9 | 15.4K | Free |
| Bank of Georgia Business | 5.0 | 1,680 | Free |
| MyVeteransUnited | 4.9 | 16.7K | Free |
| Copec | 4.9 | 1,887 | Free |
| Kikoff – Build Credit Quickly | 4.9 | 260.9K | Free |
| Givelify Mobile Giving App | 4.9 | 99K | Free |
| Robinhood Banking | 4.9 | 69.7K | Free |
Questions this record can answer
How was every figure on this page produced?
Each figure is read from public App Store metadata or computed from it, dated to when we read it, and traceable to a stored row. Percentiles, cadence, longevity and sentiment are derived by us; ratings, prices, sizes and dates are taken as the store reports them.
Why can the star average and recent opinion disagree?
The star average is cumulative over the app’s whole life, so recent opinion barely moves it. Any sentiment figure we compute reads only recent review text, which is why it turns first. Treat a divergence as an early indicator, not a verdict.
What can this page not tell you?
Downloads, revenue, active users, subscription pricing inside the app, and anything about security or data handling. None of those are visible in public store metadata, so we do not estimate them.
Provenance
- Source
- Public App Store listing metadata and public customer reviews.
- Collection window
- Last read 17 Aug 2026. Listing re-read daily; reviews re-read on a slower cadence.
- Derived figures
- Percentiles, update cadence, longevity and sentiment are computed by us, not supplied by the store.
- Corrections
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