Perpay - Shop and Build Credit App Reviews

Perpay is truly awesome!. I’ve been using Perpay for the past several years. The main reason I use Perpay is because they make it possible to afford bigger ticket items without having to fork out all the money upfront. Perpay plus has raised my credit score 100+ points. I am very grateful.

Quality items. I loveeee Prepay, I can purchase nice things and pay a small amount overtime. They have some of the best quality products. You can’t go wrong shopping with Perpay. Not to mention it builds your credit too👌🏾😎.

New feature. It would enhance the use of credit if there were a bill payment option for all service bills.

Great option for purchasing power. I have been using Perpay for a few years now and I find it to be a great option to purchase items without having immediate funds. Typically, I have used the site for Christmas shopping throughout the year so come Christmas time. Everything is basically all set. Yes, some of the items are more expensive than purchasing outright but if you don't have that luxury, this is an option. My credit score has also significantly increased with use as my spending limit has also.

Updated Review. Pros: Banking Shopping and credit card in one. CONs: Don’t get paid three days in advance with this card cause it’s not a bank They just take the fees for Services then the money gets transferred to your bank, which takes time to process and if you get paid on the day, your rent is due You’re really never able to pay ahead of time causing the Landlord to wonder where the payment. Also, I pay my bill first thing in the morning and if they put it through get my money at 1 PM but because they always failed to put it in on time I have to wait till 6 PM and I already waited a month for my money. This card isn’t enough for people with benefits. Another con If you get several deposits, the due date changes, so if the and you get the money in the middle of the month, they’re gonna expect you to pay the credit card in the middle of the month and it’s gonna throw you off trying to keep things paid on time with no issues can be a challenge with this card. For people that get paid monthly, their system is that design for monthly But if you’re good at managing things or don’t have no problem with paying rent on time Then this card can help you build CREDIT. Only if you pace yourself!

Great Way to Purchase. I’ve enjoyed being able to make large purchases without having to pay all at once. Products are of great quality, and quick shipping as well. Thanks PerPay!!

Love it , use it and share it!. I am so happy I found PerPay ! It makes shopping for gifts so easy and worry free . I applied for Credit card and now I share this app with everyone ! Referral program is amazing and customer service has always been quick and TOP NOTCH ! Keep it up PerPay !

DONE. I used Perpay once, got me a very nice modern ps5 headset, absolutely phenomenal. Didn’t have much of a problem except I had to way over 2 weeks to get my item. I have little patience so that was tough for me but, whatever, I got through it. Here comes second time I’m trying to order. I made sure to do it 3-4 days right before payday that way I wouldn’t have to wait over 2 weeks again. Aside from that I also applied for the credit card and got approved. Although I was approved I DECLINED the offer, DECLINED. As I am working on my second order, I tried to apply the direct deposit. It wasn’t working. So I figured out how to do it manually, followed the instructions, and clicked on done when I was done like you’re supposed to. So my direct deposit was now set up. I messaged Franklin and he told me “it looks like it is all set up we just have to wait to receive the direct deposit for your items to ship” something along those lines. Here comes payday, the day my direct deposit is supposed to go through to finalize my purchase. NOPE. INSTEAD, I get an email telling me that they received my payment for my first order, NOTHING ABOUT MY SECOND ORDER, and then notified me that they were unable to ship my credit card THAT I DECLINED, and said that I needed to update my direct deposit to receive a card THAT I DECLINED. So now, I canceled my second order, never received the proper help nor communication because it seemed like I was dealing with Ai named Franklin, I’m sure. I’ve NEVER been so mad before in my life. Taking all the steps necessary to help my lack of patience, to ensure my order gets fulfilled ON TIME and till this day I have not been able to communicate with NO ONE. Cancel my order, cancel my account, and I NEVER want to hear/use this pathetic company EVER again. You say there is “NO INTEREST” but that is a lie, the items you purchase are more expensive than your normal retail price, that’s where the interest is hiding. GoodLuck!

Terrible Customer service. I was recommended Perpay for credit building by credit karma. They had very limited market place, and the fact that they request you to pay more money for getting an item off the market was a bit disappointing for me. Especially considering that I already have a regular payment system set up with them. Other things have been going fine. Until I had a package literally stolen out of the packaging and was delivered an empty package. The customer service is a chat box that I’m convinced is filled with more Stone Age AI that actual people. So I file my complaint and request for a replacement. They then tell me I’m required to file a police report, there was no helpfulness or explanation to why this was needed. Still I filed the report. The process was a back and forth that literally took A WHOLE MONTH AND LIKE A WEEK, AND IT STILL NEVER PROGRESSED FROM THE FILING STAGE. In the end the phone was recovered by the police. The phone was damaged, and when I requested reimbursement. They closed the ticket and told me they were glad I FOUND the phone and that was it. DO NOT GET PERPAY!!! The customer service is terrible and THEY DO NOT CARE ABOUT THEIR CUSTOMERS.

Customer service. The customer service is awesome! They didn’t move forward until we spoke and resolved the issue together. Even when I was slow to respond

The Best!. From home goods to electronics, Perpay has got you covered. Affordable installments all while building your credit. What more could you ask for? Started with 1k and 12 months later I have a credit limit of 2675! Thanks Perpay you guys help me build my credit score by 56 points.

Great Opportunity. Prepay has been a Valuable tool for me. I was able to purchase the needed laptop for my job after being turned down by others. An easy way to purchase. Thank you Darwin

Keep increasing and make the is company perfection. Please keep increasing all products and more perks for customers! Even with the prepay credit card! As a true customer I would really appreciate it lots we would all love to see it! Thank You for all your hard work! The best of the best company!

Perfect for the imperfect. I can honestly say the Perpay credit card has been a game changer for me. If you’re someone like me who hasn’t always had the best credit but is truly trying to get things back on track, this card is an amazing opportunity. What I love most is that it doesn’t make you feel punished for your past. Instead, it actually helps you build toward a better financial future in a way that feels manageable and realistic. The structure keeps you accountable without being overwhelming, and you can literally see your progress over time. For anyone trying to rebuild, this isn’t just another credit card—it’s a tool that works with you, not against you. I’d even go as far as to say it’s the perfect investment for the imperfect person. It gives you a real chance to prove to yourself (and your credit) that you’re capable of doing better. If you’re serious about improving your credit and want something designed to support that journey, Perpay is definitely worth it.

I love this site. I’ll simply love this site because I don’t have to pay cash directly. You just set up direct deposit every time you get paid and they’ll take the money out before you even get your check but the super easy for me. I’m strongly suggest you download this app.

I LOVE this CARD.. I’ve been working for MANY years to improve my credit and when it go to a point where it was decent enough, I started applying for credit an everyone denied me. Even companies I have checking and savings with. Cool. But Perpay is different. It automatically comes right out of my paycheck when I get paid so I don’t have to worry about making payments. It’s awesome! I love this card. Even when these other companies start seeing how my income is rising and how my credit is improving I will continue to deny EVERY single offer.

A great way to get things with easy to afford payments. I have been enjoying Perpay for the past three years and every item that I purchased has been good quality and the process is seamless my credit score increased and my credit limit has grown over time. I will continue using Perpay.

Awesome. Love Perpay , everything is affordable, opposed from paying the full amount at one time you get to make small payments that are automatically taken out of your account which is also helping to build your credit .

Fantastic. I love this app. It’s so great. My credit has been building super fast. It’s fantastic. They work with you well. Nothing sketchy about this app. I will be using it for a very long time. I recommend it to others 10 out of 10.

Great credit builder. I love Perpay because it gives u a chance to build credit for yourself also I love Perpay because it has a direct deposit straight out of ur check before u even get it so that your balance never goes in default

Great for building credit!!. I really love this Perpay shop not only do they have a great things to buy from but it also helps with building your credit. It has billed mine tremendously and I’m very grateful for the opportunity to even have credit here with them. Thank you, Perpay.

Worth it. Really enjoyed the process they use for their credit card. Just wish there was a cash advance option with the card. Ran into that issue before when a gas stations system was down and could only take cash. The ATM was working but all I had on me was the card

Great service that actually helps build your credit. I was initially skeptical, but after being approved for a $1,000 limit and making a $500 purchase, I was able to pay off the balance within three months. As a result, my credit limit increased to $1,650 and my credit score rose by 37 points. One major advantage I’ve noticed is that the interest rate is significantly lower than rent‑to‑own financing options, and unlike those companies, this account actually reports to the credit bureaus, helping build my credit history.

Independence at the tip of my fingers. Perpay gave me a chance to spend without the worry of being declined. I received a balance that gave me the freedom to do what upper class people are able to do. I’m able to go shopping and not have to look at the price tag if I don’t want to… Way to go Perpay you give people like me second chances at credit while building up my credit score.

Simply amazing. My favorite credit card by far and I hate credit cards. I don’t even have to think about making the payments. Extremely simple system and reasonable payment options oh and decent products as well. All while building your credit!

Best app for helping credit!. I have had Perpay for many years now. I started out with a low credit and now I’m at a substantial amount and it has helped my credit so much. If you’re looking for a company where you can buy great products and make payments through your paycheck at a cost you can afford please try Perpay. I also have a Credit Card with them and it’s a good amount.

Order. Well they want me to change my monthly installment for a higher deduction now I wanted to keep what I have been paying no weekly and have placed an order for something small and they still won’t release my order this is the only thing I don’t like about Perpay I am almost paid off

Very good app.. I love this app. I can order almost anything. And they increase your limit without asking for an increase. The payments come directly out of your check and product arrives fast. At the same time it helps build your credit.

Perpay. I just started using perpay and I love it easy and simple to use, shipping is fast and credit score increase is even faster highly recommend giving them a try not only for your necessities but also for fun!!

Great App. Have used the app for awhile and done a few orders! Some items are a little expensive for what they are but have used it for some great items. Positive boost for my credit report, only downside is sometimes the items that I want go quick and haven’t came back for awhile!

Loving it!. I love being able to get bigger purchases all the while knowing I don’t have to worry about paying the bill. It’s taken care of for me. I also am enjoying the surprise rewards because of paying on time.. ex. Credit limit increases etc. My only negative feedback would be.. I just received a reward of immediate shipping and because my employers choice of payroll vendor… I can’t enjoy that benefit because you don’t support Workstream to verify my direct deposit is set up..,even though it is.. that is a bummer for me. Everything else is great.

WORST THING EVER. I have to say that this is the worst credit app I have ever used. I initially got this app when I worked at Burlington but when I left that job this went straight down hill I tried to make manual payments and they keep going towards only my credit card and NOT the market place which is destroying my payment history when I’m actually paying on both the credit cards and the market place which and it’s reporting I’m only paying one which is highly annoying and messed up I worked hard on my credit and I pay when I’m supposed to I even pay OVER the minimum and still got screwed.

Great App. Been using Perpay for a bit and honestly it’s pretty clutch. Makes it super easy to buy stuff now and just pay it off little by little from my paycheck. The app’s simple, no confusing stuff, and I like that it can help build credit too. Definitely worth trying if you want something low stress.

Easy, dependable, fun to use!. Great app over all, generous spending and no worries payment options from check directly! Never worried about paying on time or messing around with customer service every month for the app is clear quick and easy!

BEST CREDIT CARD. Struggled my whole life, understanding credit as someone who has autism and this place is easy to navigate it helps me do the task needed to be done or allows me to do it on my own with step-by-step instructions. It’s so easy to not miss payments and pay on time.

Great!. At first I was a little apprehensive about setting up my direct deposit for this, and that whole process but I’ve never had an issue! And customer service is very helpful if I wanna pay extra or if I forgot to update my D.D they let me pay it separately. My only minor downside is for some things the prices are more than on an actual website or something. And taxes are a little expensive. I always research an item and see the difference. But most things you’re just paying for taxes . I enjoy it

Legit. You pay a little more but every payment gets reported to your credit agency. My credit score is slowly but steady going up. Merchandise gets sent really quickly. I have been able to buy my son presents when I was having financial difficulties. They give options on how many weeks you want to pay and the weekly payment amount varies from there. I haven’t had to return anything. If you are looking to just get your credit fixed you can just order something that’s $3 a paychecks. My trick is to always having something going so I have longevity of payments on my credit.

Great way to get big $$ items. This service offers a chance to purchase bigger items while also building your credit. since payments are made from your direct deposit it’s hard to miss a payment or get behind. I’ve been using this service for years and have gotten several large ticket items. The process is easy, the delivery is quick, the items are as expected and with the payment being direct deposit I don't really even notice it coming out of my check. The cost of items are noticeably more expensive than they would be if you purchased them outright, but your payments have no interest or fees so it evens out.

Everything they say they are and more. Been using Perpay for almost 2 years and haven’t had one problem they have help grow my credit and I get items I already needed and a credit card can’t beat Perpay if you don’t have it get it cause your missing out

Thankful!. Perpay has honestly been a helpful resource in rebuilding my credit. I am so appreciative for the company to allow me the chance to get a computer for work, allow me to pay a portion each paycheck to pay it off, and then my credit benefits as well. As someone who is honestly not too successful when it comes to time management, this process makes it seamless and easy to maintain.

Good business. Really enjoy shopping here it really helps and I normally don’t do these kinds of things but i like it getting older and they are number one in my book no one else will mess with me for some odd reason can’t even get a loan it’s upsetting and for them to help they will always have my business

Shipment delayed. I have been a customer of Perpay and bought a lot of stuff from them over 7 years and for the most part they have had what I needed up til this year they started removing things I need for example Apple Watch Ultra 2 and dont even sell ultra 3 which has been out for over 6 months just recently I ordered AirPods Pro 3 it was shipped to me on Thursday this past week was expecting delivery today on Sunday well the shipper Fede ex has delayed the delivery this is unacceptable I now have to wait til after the holiday just to receive these which will be tuesday at latest this is not the first time Fedex has delayed packages to me from perpay according to Fedex they say its perpay and the type of service they used to ship.. my advice for perpay if you want to keep a loyal customer like me then start offering more apple products that I need and change your policy on Fedex.. I will be filing complaints with fedex and I wonder how long I have to wait to get a pair of AirPods that I need for work? christmas only 6 m months away maybe Ill get them by then.. or maybe I just drop doing business with perpay all together.. UNACCEPTABLE..

Nikki’s Review. It’s truly amazing! They attach right on to your payroll and you order after choosing the frequency and amount you want to pay every two weeks. I wear a lot high end merchandise and only carry high end purses that cost as much as my rent so this was a no brainer for me. My credit has risen 38 points so far!

I wish more places were like Perpay. I love the credit card option they give you. They are constantly updating their already amazing collection of products they offer

“Trust the Borrower”. I am sooo pleased with Perpay!!! I recently moved into my house and had no money reserved 😃 I was able to get a 75” Samsung TV and put smiles back on my children’s faces. Sometimes it’s the little things that restore the household happiness. Thanks to Perpay…I was able to do so. Thank you again Perpay!!!

I love this app. I love this app very much a little pricey, but you have options to pay Little every week from your paycheck and I love the credit card that they have I wood recommending this app to anyone who can use this app. I love it very much.

Blessed. So amazing and if you’re having trouble setting them up just manual add the deposit yourself which of course you can! For instance I work warehouse and since they never updated my ADP number for me and I’m locked out of mu account not being able to log in instantly I had to set them up manually! But lol I get paid 2 days early, but I notice by Friday how they receive my payments, and now I have to remember that lol and not get anxious! lol, but yeah I love watching my limit increase and my balance decrease lolll as I make payments!! Also disclaimer: you must have a minimum deposit for shipping first which I put down $17 ish but everyone’s different it depends on your order amount! but with my direct deposit I set it to the required minimum shipping amount but also too u could set your direct deposit to fully go to perpay and they’ll send u whatever u didn’t use back to your debit card or bank on file!! Personally I didn’t set my full direct deposit to go them but you can if you’re comfortable! I just like to be paid with my third party bank but yes feel free to do whatever! Another disclaimer though last, but not least so you start off with a $1,000 limit but it may go down successfully after your first payment was successful! I have a $600 credit line for now but I am grateful

Regarding shipping partner and product availabilities. I have been a long-standing customer of Perpay for over seven years and I have bought a lot of things from Perpay a lot of Apple products from propane. My most recent purchase was a pair of AirPods Pro 3 and waited for them to ship it to me to ship or being FedEx is now tying up my shipment till who knows when it was supposed to be delivered today. It was not it still says delivery available at end of day. Well here it is it’s almost 8 o’clock Eastern daylight time, and I still have not received confirmation of shipment delivery nor has been posted or updated that it is being put on their trucks or anything like that for something to be this small taking this long to be delivered it’s unacceptable. I need these for my job so I can hear customers I work in a retail environment so I can hear customers. This is vital important to me into my health, but it’s also important that the folks sent Perpay, which is a good app, but yet some products that I need are still not available with them for some unknown reason, but with that being said, her pain needs to update their systems and use better shipping partners FedEx not really that great of a reliable shipping partner to use UPS. Excellent I’ve had a lot of products shipped through UPS and got them on time delivered in the tying spot, they were expected to be delivered, but not this one now I’m waiting till after the holiday to get it delivered to my house so I can sign for it. This is unacceptable.

Amazing credit building app. I have been using perpay for the last few months, I think 6 months. It is incredibly amazing on helping me build credit. Easy to use and make payments directly with direct deposit payments so I never miss a payment, while also shopping for household items and luxury products.

Continence. I love it because it’s busy as my work schedule is I don’t have time to get to the store and get certain items like tissue paper towel dish, dishwashing liquid things like that and this provides me when it comes straight to my home

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Great service!. East to use, set up and shop! Shipping has been quick without issue! I will say, the overall cost of items is expensive, however, if you compare it to putting these items on a credit card and paying the interest there, it all comes out about the same. Will continue to use and highly recommend!

Awesome!!!. I’ll admit, I really wondered if this was a scam. Looked through the app for a good month debating on what I liked and wether to try and go through with it. Finally decided to and ordered a set of tires. First payment went out 3 days after I placed the order. Then I was shocked to get all 4 tires 3 days later!!! Definitely NOT a scam! Yes I’m sure I’m paying a lot more than retail. But to me it’s worth t. Making payments and they come out automatically so I don’t have to worry about anything. Will be shopping with them in the further for sure!

Great Company. I have been using Perpay for over a year now and I’m really glad I found it! With out it, I wouldn’t have some music equipment that I desperately needed! Getting approved was very easy and payments are the easiest part. It gets taken directly out of your check so I have never had to deal with any late payments... building your credit with this is also super easy, I started with about $500 and after my first balance was half way paid through it was raised to $800. Now after a year of using perpay my balance is in 1000’s

Great company. If you work a consistent job, want to build your credit, and want big ticket items PERPAY is the place. I’ve been with them over a year and half and have ordered multiple iPods, Xbox’s, and other items without any hassle. I link to my direct deposit and they receive a weekly deposit without having to set it up weekly. They report to credit bureaus which has boosted my credit. Great company, highly recommend and will probably use forever.

Very impressive. One of the beat companies out. From customer service and Beyond. I been with them for over 2 years now and never had a problem. Very helpful and friendly. Quick to respond. I can go on and on. You would have to check them out for yourself. Whatever i buy is new in the box not refurbish like Others out here. Keep up the good work. Oh yeah I don’t work for them. Just love there services.

I love it!. My overall experience has been nothing short of awesome!! Shipping is fast, pricing is affordable in my opinion. If I need to return something it’s also pretty quick with no hassles. Customer service is very helpful and they always get back to you. The fact that they use your direct deposit for payments is perfect to ensure you don’t miss a payment and can build that credit up!

Amazing experience!. I’ve purchased a few things and I am absolutely satisfied with everything! This makes it so easy to get the products you want for a good price and payments are super easy! And it makes it a lot easier to budget the rest of your money knowing that the payments come right out of your paycheck so you don’t have to worry about having to call or go online to pay.

Worst App Ever!!!!. I’ve been approved for a line of credit for a couple of years now. The issue that I’m having with Perpay is that whenever I try to link my direct deposit from ADP, I get a message stating that the feature is disabled. My employer disclosed to me that they don’t feel comfortable allowing another 3rd party to directly access their payroll and asked if Perpay could do ACH from my bank instead. I can’t reach anyone in order to ask if ACH is an option. Nevertheless, Perpay needs to have better payment options, not every employer will be lenient with them having direct access to payroll. I don’t recommend this app at all.

Appreciate this!. At first I was skeptical, but I researched and found it has been on the better business bureau. I also read a lot of reviews. I didn’t know how to feel about them touching my money before me. However I’m very glad I did, buying things I wouldn’t normally be able to afford and building credit at the same time is a win, win! I gave them 4 stars because there is no number to contact anyone but I have to admit through email they answered me right away every time. So far so good.

PREPAY Credit Card. When I first saw this card on Credit Karma. I was a little leery, but I applied and was approved. Set up my direct deposit and the cards been working great for me. I’m able to use it anywhere. MasterCard is accepted. I haven’t had any problems with it. I even set up an external account so I can make extra payments to keep my balance low, highly recommend this card for people trying to rebuild or establish credit.

Could’ve been 5stars. I think it’s a great app very convenient and helpful as well as the credit advantages that comes with making on time payment’s. My only complaint is that if I don’t spend my whole balance at one time I have to wait til my current order is finished before I could order again. I kept getting denied with an explanation of I needed to make a few more payments to get another order approved and after every 3 payments I tried again and kept getting the same message instead of a real explanation. Other than that overal good experience

No more faith in these apps. It’s really a shame that none of these apps tell the truth I was really looking forward to using this app they told me I had $1000 spending limit I make more than enough money to pay $35 a month but for some reason after going through the whole process, giving them my Social Security number, and everything they tell me that I’m not eligible I was just wanting to work on my credit and buy something off their site. I think I’d give up on online apps they all lie. I live with my family and pay $300 a month for rent so the other 1500 I made would’ve been plenty enough to pay $50 a week. Oh well. I guess they just wanted to get all my personal information.

Life savers. Honestly at first I wasn’t sure help her pay was going to be because of other companies that I’ve had issues with in the past. Once I got started with them I was genuinely happier than I have been in a long time I was able to afford Christmases and birthdays etc. with no stress it comes directly out of your paycheck so you don’t have to worry about making the payment on time it’s amazing thank you guys

Great ideal that works. Much like you I was I didn’t trust it at first either. I took that leap of faith on a 50 inch vizio tv and low and behold it showed up at my door. One “negative” is that i keep telling myself don’t get anything else lol. One day I’ll listen to myself. In my case I’ve made my payments like I’m supposed to and now (for some not all items) they ship it and I’ll get it in two or three days. You will pay more than in the store but nothing like Aaron’s and rent a center, maybe 1 and a half times retail. As long as that’s ok with you you’ll be happy.

I see no flaws. I see a lot of negative reviews but honestly if yall would read the terms, you would understand how this app works! No, you cannot pick which stores to purchase things from UNLESS you are approved for the physical credit card. If you have the marketplace, you buy things from there and use your paycheck to pay it off. Perpay is so convenient, from the marketplace to the credit card. Reliable customer service.

Excessively high prices. All of their prices are significantly higher than the MSRP. I looked into purchasing a 64gb LCD steam deck through Perpay, which is $349 if you purchase directly from valve. My order total on Perpay was DOUBLE the price at $719 for the exact same product! I contacted support to see if they offered price matching, and they don’t. This is literally the opposite of saving money. I really don’t understand why anyone would use this platform when there are so many other good buy now pay later platforms that don’t upcharge their customers. You’re just throwing your money away paying for convenience. I just deleted my account.

Scammers. Customer service is horrible. Please read all of the other reviews before giving this place any of your money. They will literally block you from sending messages through the chat and ignore all of your emails. They’ll also keep adding fees to your account the closer you are to paying off your payments. Oh… and don’t over pay them, cause they will not refund your money. I’m about lose over $70 this week with them but I don’t even care. I’m removing them from my direct deposit and they’re never getting another dime from me. I can’t even deactivate my account because no one will respond to my emails to help assist with that. This app is a joke and a scam!!!

Amazing. They are just amazing with out them I would never have been able to purchase any of the big items I needed. It’s so nice to have it come right out of my check so I don’t have to remember to make the payment. Also to be able to get what I purchased after the first payment was made it just makes buying through Perpay such a convenience.

It’s okay I’ll buy from Wish and AliExpress. I attempted several times to cancel my account and I cannot do it because the option doesn’t exist on my profile, you cannot verify my SSN it keeps saying enter a valid number like really did I just made one for myself?? Then it says contact support where is support?? No number no nothing so thank you for your $150 spending limit it’s the most amazing approval ever (sarcastic) you’re over priced and well because your system glitches by not recognizing my ssn then I’ll stuck to wish and aliexpress which by the way on wish I can pay half now and the other half in 30 days I’ll stuck to that, PLEASE ERASE MY SSN FROM YOUR WEBSITE, I cannot make any changes because the app requires the number but yet it doesn’t recognize it lol

Perfect way to improve your credit !. I’ve been using them for about a year now and it’s been great ! The payments are linked to my ADP so it makes it super easy to keep track and make payments on time for it too ! I totally recommend it if you’re trying to get your credit score up. I will say that there are some stuff on there that’s more expensive on Perpay than other stores. Shop smart guys !

Shipping is terrible. I would have left a 5 star but the shipping is a big issue the updates come after I receive the item and sometimes it takes weeks, next is the customer service takes forever to get any kind of answer from them each question you ask takes up to 3 days to get a reply back, and to your response just now if it takes 3-5 days when sometimes I will get my item before the tracking updates to shipped or I’ll get the items before your customer service team responds to me

DO NOT USE THIS APP. I order a tv round thanksgiving time , true enough they take payments from your check towards the item , my tv was canceled during shipment enough for them to say the replacement is coming to the same address they said was wrong , moral of the story is I been waiting almost two months for a tv , we are almost in new year of 2024 and I still haven’t gotten my items ! ATP it’s a scam !!! Here’s an update we are now in 2024 they said the previous tv was out of stock and they had a distribution error , they change the tv out & I’m still waiting on a tv it’s going on now 3-4 months

No problems, other the. Opting out of Credit card. I am on my 3rd order with them. It took some time to approved for the 3rd order. I just needed to finishing paying off my previous orders which is understandable. Only thing I dislike is the credit card.. you are unable to opt out of the credit card, which is causing $200 to come out my Check. In a minute I’m expecting perpay to pay my rent, keep taking all this money out. I can totally understand why people are saying they are money hungry

Had a great experience. At first it was rough with getting ahold of customer service and the response but in the end they heard what I had to say and did there best which I feel they went above and beyond for how fast I received my item by time second payment Hit appreciate everything you guys did in listening to me not many customer service people do I’ll be a repeat user for sure keep up good work

I really like Pat perfay. I really do like perfay and they have very good products and they have a good variety of products. However they don’t have a lot of customer services on they available online and I know they do get back to you and it takes sometimes 24 hours which is not a problem it’s just that I’m a person that likes to have access to someone that can fix my problem and say hey I got your message and I’m working on getting it corrected. Just a personal choice, from working in customer service myself

Amazing. I’ve had no problems using this app. Honestly one of the best apps on the market when it comes to building your credit and getting things you want without spending a lot of money. The only part that was a little different but not difficult was the direct deposit. Once they receive my first direct deposit the next day my 50 inch TV came. And I mean the next day!!! 👏🏽👏🏽👏🏽

Job well done!. I was having an issue with my order not shipping after payment was already received by perpay and was afraid it was just a scam and wasn’t going to be getting my order. However, Gavin worked so hard with me and the distributor of this product and finally got it shipped and my shipping information came through. Now just awaiting to receive it in the mail. Thanks again Gavin for your hard work.

Perfect fit. Products cost a little more but when you need something and are low on funds and pay straight out of pocket for something Perpay will let you make payments and as you show you will pay and get a good payment history they will up you limit and open active shipping which will let you place and have it shipped before your first payment. I’m very satisfied with the products and service I receive.

Good app/ NO HUMAN SUPPORT. The app is legit and you can buy a lot of things and even receive the credit card. I’ve done my direct deposit for the credit card but I have no way of seeing my limit, no way of keeping track of my spending or how much money I’m putting into it, I also have no real HUMAN SUPPORT I can use to figure out what’s happening. Just for that I recommend to use it unless they make they fix the chat rooms and their response times. App is okay like I said but good luck if something bad happens to your Money and need help. I still have been trying to contact someone for help for over 2 weeks

Worthless Customer services. The whole concept of the app is great. I love it. However the customer support for the credit card service is extremely worthless especially with disputes. There are also flaws in the system with the “active shipping” they advertise it but do not follow through even though you deposit an additional $200 more than what your required to do , they still want proof that you set up payments. So it is deceiving but the concept would be excellent if they would do what they advertise and if the customer support team actually advocated for their customers on invalid charges.

Perpay is Family!. I love Perpay and have been using the app for a while now. I love being able to shop for quality items with big name brands! The shopping catalog is huge! I’ve purchased my major appliances (washer, dryer, TV, mattresses, exercise equipment, etc..) and everything shows up on my doorstep super quick. You can purchase a warranty on the large items. Scheduling installation is easy and safe. I’ve had issues like a product showing up with damage and the customer service is the best. Replacement showed up really fast and they pick up the product I’m exchange with no issues. The payments are reasonable and easy to keep up with. I’ve received amount increases for more shopping The app is great at helping me keep track. I’m happy to be able to use Perpay in my everyday life.

So far so good ..... Set up my Perpay account and had my first payment come out today. They have great items you can pay for overtime and yes they are priced more than the retail but the convenience of paying overtime is great especially for those expensive items u can’t afford to pay the entire amount....I will update this review when I receive the items. Rated 4 stars just due to the response time for the chat and no customer service number.

Absolutely amazing BUT….. EDIT: I wish the apple products were more affordable to get like the Apple Watch ultra and the MacBook Pro or iPad because I’m in college and everything is so freaking expensive if I could cheaper payments over time and the prices of the products were a little cheaper I’d give a 5 star or if I get another increase in the next month or so So got the response new update I got a little increase getting closer hoping to make it to around 2K to get what I need for college to get a Mac Pro

Great system to pay on time/Build credit …Horrible prices. The good: It’s a great concept, as long as your payroll allows you to add a second account where they will Send a certain amount from your paycheck’the system is great. You even forget you are paying off the item you purchased, and you build credit…genius …. The bad: My god they jacked up the prices…. I understand they want to make some profit from the items, but come on, double the prices in some instances, on top of that a ridiculous amount for shipping that won’t get you the items within 2 weeks after the first payment is deducted from your paychecks. For example. AirPods Pro (2nd gen) 249 retail price at Apple and most other places even lo. Perpay price 354 + taxes + shipping… that’s just one example. Every item has a price tag that is just too high. To justify that price tag for items you know they are cheaper or onnsafevhhh

Fantastic. I have officially paid off two items through them and plan to add a 3rd here soon. I do recommend allowing your credit to update before purchasing another to see how big of a boost you get. Currently I’ve gotten a quest 2 and a smoke smoker and wow it’s been fantastic. I also recommend the 16 weeks instead of the 24, this way you can see faster updates with your credit. Great online support and just amazing. It will only work if you do payroll, which is great for me

Perfect Transaction. My shipment was sent out the SAME day my first payment was made. The Nintendo Switch was shipped on a Friday and is arriving today, the following Monday. The payments are easy low payments and there are only 8 of them, so it will be paid for quickly. I am definitely going to be purchasing more items on this app. This is for my daughters birthday in two weeks but there is no way I’m going to be able to keep it a surprise that long.

Complicated direct deposit. Not all employers allow employees to split there direct deposit. I recently started a new job and employer does not have option to split direct deposit. In order for me to use Perpay+ I would have to switch my entire direct deposit to Perpay, the would take out monthly fee for purchases and then they would direct deposit reminder of pay to my bank account. This is a ridiculous solution. Who would send there entire paycheck to Perpay then wait for them to send remaining amount (after Perpay payment) to bank account. I always made my payments and this solution is not an acceptable procedure to expect from customers. Poor customer service= lost customers!

BEST APP EVER!!!!!. I love this app. It help me tremendously with my credit. Since I’ve use it in a year my credit score has went up in 200+ points. I started with a credit line lower and it’s doubled since then. Getting things you want and not having to spend the full amount right then is amazing. I would highly recommend this app to anyway who job can do the direct deposit program. If you’re looking to help your credit score.

Top Notch Customer Service. There’s simply no other way to describe my experience with Perpay and the good people they have working for them than excellent. Seems like they’ll be around for a while as a great option for ANYONE that would rather pay reasonable weekly installments than run up credit card debt. Great Job Perpay and also just a quick mention of a young lady that works for you guys named Dana. She went above and beyond to help me get started. Give her a raise...... make that 2. Thanks

Awesome. I been using prepay for a little while now I first started out with a low credit account been able to purchase the bare minimum now my credit have gone up and my spending limit have increased and I will always use them the payment come out your check and always on time almost anything u are looking for they have I would recommend this company for anyone to try ….

Convenient. Perpay is, bottom line, the best place to shop for your big purchases! Whether it’s Christmas presents, furniture, appliances, or even a new vacuum cleaner! I love how the payment is taken straight from your paycheck so you don’t even notice the money missing! It takes time to build your spending limit and amount of pays, but it pays off! Start with small purchases, increase your spending limit, and before you know it you’ve got a great spending limit and cheaper payments!

Better than layaway!. Perpay is awesome! All u have to do is set up your bank account, get it verified, then once your first payment is taken out and paid, they send you your item, and you make the next 7-8 payments based on your payroll. It was nice to be able to get a new PlayStation 4 for my boys instead of buying a unreliable, used console from a pawn shop or someone on a selling wall. Love the way it works as well when you make your payments it increases your remaining spending limit. Thanks PerPay! You guys are great! Sincerely, Todd Marioth

This is a great service. Sometimes we don’t have $500 to drop all at once. Perpay has been great in allowing me to pay a little overtime. Yes it is going to cost a little more than if you had the money all up front but that’s not a big deal when it can be spread out over 16 payments. Plus it comes directly out of your paycheck before you see it. It’s GREAT!!! I really can’t compliment PerPay enough. What a fantastic service and I will continue to use them for the foreseeable future.

Overpriced. They overcharge on purpose to balance out “no fees or interest” but that is the fee or interest in itself. Then PerPay has the audacity to tell customers the same generic reply in most of the generic reviews about the overprice and PerPay actually encourages you to not use their service if you can find the items you are looking for at the right price. Don’t sell yourself short! You deserve equality, don’t let PerPay tell you that you should pay double for something to avoid a hurt to them, if they care for you they’d lower their prices. Even after the “fees and interests” of other competitors, the other competitors still actually charge less than PerPay. PerPay does not show value to customers, only deceit.

In the end: not worth it.. Basically - I’ve been using Perpay for atleast 8-9 months now. Bought various products ranging from $80-$1,500 Been fantastic. Just got a laptop the other day from them, I decided that it didn’t meet up to my standards I’m talking the lowest graphics I’ve seen on a laptop since 2013. So I try to return it (mind you mint condition brand new just opened, and since it’s not in the manufacturer packaging anymore, they won’t accept the return, so I get to pay over $1,000 something for a laptop that’s essentially going to either sit in a drawer or be sold for less. Smfh. Will be paying off the rest of what I owe and never using again.

A second chance. Perpay is a great avenue for people who lack credit. It is a way to get the top items you want while you build your credit history. Customer service is always available if you have any questions or concerns. They report to the credit bureaus on your behalf and will raise your limit when you build a record of on time payments. Thank you for giving me a second chance to be wise in my spending!

Perpay. I actually love perpay, they make it easy to get the items you need or want. They are also quick to get the items to you. If there is an issue they are prompt to fix the issue. They are kind an considerate when having to speak on the phone with them. The items you order are in great shape. The only downfall I see an why I gave them only four stars, I feel they could an should raise the spending limit up quicker, especially around the holidays.

Trash company. Scammers.. Liars and scammers. Walk through process to collect all of your information, “approved” for $1550. When I tried to use it, they wanted more information. I gave them that. Then declined my order... but still have all of my information. Avoid this company IMO. They contacted me with a cookie cutter fake email apologizing for the confusion. There is NO confusion. I was told I qualify, you gave me more credit for more of my personal information, then you DIDN’T provide said credit limit, or ANY credit at all AFTER you took my info. Doesn’t that seem shady??? Not confusion, it’s a lie. Period. Don’t bother sending me anymore feed back. I’ve deleted this scam app. Although I still get emails from companies you sold my info too. Much appreciated..........

Ridiculous. A couple of weeks ago I purchased some earbuds and they said shipping would take 2-3 days after you make your first payment. Four days have passed and I get a email stating that the earbuds I purchased was out of stock and to find another pair that was in the same price range with I did. Another two days have passed and I get another email stating that this matter has been escalated to another team. I been emailing and leaving messages on the app with no response. Oh and mind you I went on and paid the whole thing. At this point I’m starting to think this is a scam!!! Never again will I purchase anything from this app!!

This is the best. I love this website the best way to build credit and get some really nice things with paying the full price upfront. I love the way it have you set up the direct deposit with your job so you don’t have to worry about the money getting there late. I like to stick to a small dollar $$ amount to budget my spending. That way I don’t go over my credit limit. I just wish it was a way to report it to the credit bureaus. I would definitely recommend this website.