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Perpay Reviews 3,619

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TrustScore 4.5 out of 5

4.6

Money & Insurance
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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its excellent products, user-friendly experience, and convenient payment system. Many appreciate the ability to acquire desired items through manageable payment plans, which also helps improve their credit scores. The delivery service is frequently highlighted for its speed and reliability, and people value the automatic payment deductions from their paychecks, making the process stress-free. However, some customers also noted that product prices can be higher than market value. A few people experienced issues with delivery, including receiving incorrect or damaged items, and some reported difficulties with the return process. Additionally, a small number of self-employed individuals found the direct deposit requirement restrictive, preventing them from utilizing the service.

What people talk about most

Product

Customers consistently note positive experiences with product, praising the wide selection of quality items... See more

Payment

People report positive experiences with payment, especially appreciating the convenience of automatic... See more

User experience

Customers had positive experiences with user experience. Many reviewers found the process easy, convenient,... See more

Price

Users describe positive interactions with price, finding items affordable through reasonable payments, which... See more

Delivery service

Consumers generally express satisfaction with the delivery service. Many reviewers highlight the fast... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Excellent way for those whose credit is not up to what greedy companies want to be able to get what they want. Rather for yourself or a gift you now have an option to get the more expensive things.... See more

Rated 5 out of 5 stars

I've been using Perpay for small, medium and large purchases for many years. The inventory is great with many premium brands. Never had an issue ordering or with deliveries. Once they started offer... See more

Rated 5 out of 5 stars

Been with Perpay for years. Had a big hiccup with my overpayment deposit. Did not arrive normally during business hours or even earlier Dropped by 6pm.I do really enjoy having nice things. Hope you as... See more

Rated 5 out of 5 stars

Honestly gave me the feeling of being in control again! My finances are killing me trying to get ahead or prevent from falling behind to say the least is the real struggle, but with the way it's desi... See more

Company details

  1. Money & Insurance

Written by the company

Purchase the products and brands you love by making small, easy payments straight from your paycheck. Build credit along the way while you shop! No credit check, no interest. Perpay is a certified B Corp, which means that we are a part of the global movement for an inclusive, equitable, and regenerative economic system. B Corps are dedicated to using business as a force for good and meet high verified standards of social and environmental performance, transparency, and accountability to all of their stakeholders. Learn more at https://www.bcorporation.net/en-us/find-a-b-corp/company/perpay-inc/.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

4K reviews

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Rated 5 out of 5 stars

I was so hesitant to join Perpay BUT……

I was so hesitant to join Perpay BUT……. I’m SO HAPPY I DID!!!!!! I joined and made my first purchase. After it was paid off I could not believe the increase in my credit!!! It’s worth it! The items may cost a little more then if you bought it outright but you don’t get a credit boost when you make a purchase with cash in the store! You also don’t get to make small payments but have the item while doing so! Payments are so easy and come right out of my check so I never worry about missing them! all the Name brand products I have ordered have been real and perfect! The have such a great and large variety of products and brands to choose from! Don’t be like me and hesitant just do it! If you do it correctly and only make purchases you know you can afford your credit will sky rocket! I’m so Glad I made this move with Perpay!!!

22 April 2026
Rated 5 out of 5 stars

I love this app

I love this app. 100% trustworthy and they have helped my credit score go up with reporting my on time payments and they have so many great items to buy and the prices are fair and pretty close when compared to other sites.

22 April 2026
Rated 5 out of 5 stars

Excellent concept

Excellent concept, works great for me always on time payments and it’s definitely building my credit. Try not to overuse it because obviously the more you do the more it comes out of your paycheck, but definitely a game changer.

22 April 2026
Rated 1 out of 5 stars

I set up direct deposit from Doordash

I set up direct deposit from Doordash. Turns out they use a 3rd party for payroll and that is not accepted by Prepay or their Chase bank that they use. I tried calling, emailing, chat etc with no response. Its 78.54. Its not a million dollars to refund. Nobody knows nothing. As is today's custom, customer service sucks, or should I say AI? To chicken to get on the phone. BS company.

9 April 2026
Unprompted review
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Reply from Perpay

Thank you for bringing this to our attention, and please accept our apologies for the stress this has caused. We recognize the importance of having a reliable way to speak with support, and we are sorry that our current channels have not met your expectations. A team member has reached out to provide some clarity on your payment, and when it should be received on your end. Please respond to their message, and they will gladly answer any questions or concerns from there!

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