PerPay review — rated 4.3/5 from 5,820 reviews. Best for paycheck-based shopping and credit building.
Shop now, pay from your paycheck. 0% interest, always. PerPay is offered by PerPay, Inc. and currently holds an average rating of 4.3 out of 5 across 5,820 user reviews. It falls into the Credit & Loans category and tends to be the strongest fit for paycheck-based shopping and credit building.
Editorial grade: B+ (composite score 80/100).
Monthly fee: $2/mo Credit Builder (optional). Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of PerPay, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Credit & Loans shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.