Perpay - Shop and Build Credit Reviews

App is a fidgety and a bit awkward to navigate. I had to hit the search bar in several different places to finally get the keyboard to pop up to type. Easy sign up process and approval. They ended up adding an extra $350 to my approval amount once they got my pay stub. The payment process is....different. Payments come straight out of your paycheck (NOT your bank account). They give you an account/routing number as another direct deposit to setup with your employer. Your items won’t ship until they get the first payment from your paycheck on payday. So if you place an order on your payday then you’ll have to wait until your next paycheck for the order to complete (and another 3-5 days to receive the item). That’s up to 3 weeks for delivery (for biweekly paid folks) from the time you are wanting to place an order. In a world with next day delivery this isn’t very competitive. However if you are on a tight budget, can wait a bit and like payment plans at 0% interest then this is for you! I used it to buy some nice sunglasses that I don’t need right away.

A month ago I would have probably rated them higher so if it wasn’t for a policy change they enacted without prior notice, they would rate higher on my part. I enjoy the service and I have been a customer for a while so there are certain benefits you receive while being a consistently well paying customer in good standing, like not having to wait for your first payment to post before they will ship your item, as long as you have an open order that’s in good standing. Well after this virus outbreak they withdrew that policy, requiring every order to have one posted payment prior to shipment, which will leave you close to a month out from receiving your item, depending on when you purchased them. My car was broken into and items stolen right in front of my house so I purchased security lights and cameras to protect my home. So here I am, waiting for my payment to post just so my item can ship, while my home is vulnerable. Had I known this prior to ordering, I would have purchased the items elsewhere. Had they just let their customers know of the policy change, I could have avoided the delay.

So I came across this app via Facebook advertising just scrolling my feed. To be honest I was pretty skeptical on how it would work out (in theory is sounded cool at least) but execution seems to never work for these types of services. I am happy to report after a little frustration/work getting the direct deposit bit completed + waiting for the next pay period to roll around my orders shipped out like clockwork. I’ve paid off 2 orders so far, placed another 3, and it’s all worked so well. Lots of stuff to pick from for gifts without having to drop fat cash up front, and I just spoiled myself with AirPods because multiple orders doesn’t mean your amount goes up you just pay the same amount for a longer period (easier on my budget because I just don’t see it). All in all very very satisfied/relieved, and they give you fair ways to increase your $$$ amount just follow the rules!

The ap itself is ok but the service isn’t great. Most of these apps allow you to shop at stores you choose with merchandise you want to have. This ap offers older and out of date merchandise the Clarisonic Mia 3 was available and that is off the market everywhere else and replacement heads are available but they want full price. I looked at the other offerings you can buy and they are out of date and no longer available through their manufacturers and for a high price. Yeah you can finance them but it isn’t worth it with the items being offered. Other apps like klarna and Afterpay offer the same service with no credit check but you get to choose what retailers you make purchases from so that you can take advantage of sales and lower your total cost. I wouldn’t want to buy the items offered here let alone at the price they are offered for. Also returns are horrible they charge a percentage of the total price for restocking and other fees for the return so if you buy something you don’t like your still stuck paying for a percentage of the item plus a fee. Ripping people off isn’t a good way to get business.

So I ordered an Xbox Series X for my son and this app took two payments for my workplace. Then they shipped what I thought would be a Series X and it wound up being a Series S. My son said he wouldn’t mind keeping the Series and I asked this app to credit my account and they refused. They want me to send back the incorrect console first instead of letting me keep it(which is still sealed by the way) and then they will send me the correct console. Hmm..that’s not how this works. They want me to continue to pay for the Series X even thought that’s is not what they sent. Apparently I’m not the only customer this has happened to and those people where able to have this app send them them the correct console first and the the customer send back the incorrect console they received. Also this app said if I don’t send back the Series S within a certain time frame that the manufacturer will not accept it and I’ll be on the hook for paying for a Series X that I never received. People will say, just send back the Series S. I’d love too..but once I receive the Series X which I’m still paying for. Lastly, most of these positive reviews, aren’t real.

I love, love LOVE having the option to purchase things on this app! It comes right out of my paycheck and with the payments broken down into an optional number of payments, I don’t even notice the money missing. Did I mention INTEREST FREE! Something to consider if you notice a price tag higher here and there. Especially for those who find it hard to keep up with due dates (me). I’ve noticed the product selection growing also!! I have purchased my Apple Watch, iPad Pro and pencil, and a MacBook Pro, among other things down to my favorite Dolce and Gabbana perfume!! Everything in perfect condition!! My credit is less than perfect and this app has been my saving grace for those expensive items I want but don’t want to fork out a chunk of money at once!!! Thank you!!!!!!!!

I’ve just gotten Perpay , overall it’s not a bad app but you need to have patience. As soon as you sign up it’s going to ask for all of your information. You can browse through items as if your going to be able to make a purchase just to find out that you need to upload a paystub before purchasing. After your paystub is uploaded, it’ll make you wait for approval from 1 - 3 business days before you can find out if you’re able to make the purchase. Although it does not check your credit score, nor does it require a lot of nonsense to be able to purchase. All they ask for is proof of income and a little information about you and your good to go. Overall it’s a great app. If you work everyday and don’t have time or money to buy the finer things in life, Perpay is for you! Can’t wait to see what the future has in store for me to buy.

I have been a customer since 2018 without issues until last year. I have canceled many orders for birthdays etc because the order no longer get approved within a 1-2 days as they say. I have now been waiting 11 days for an order to get approved. Not even shipped just approved. Last month, the rep told me there was a glitch and would be fixed and order would be approved as normal, that was a lie. The reps give canned response answers but don’t help too much. I now have to upload a paycheck stub each order which I never had to do until last year. I do this immediately but never get my orders approved. Please don’t plan on ordering Christmas gifts or anything you need within a certain time because you will not receive. I am really going to pay off and close since it’s not beneficial to not ever get an order approved when been a paying on time customer for 3 years.

this app has been the best thing to happen to me in awhile! I have set aside money to go to this app, and then I buy luxury items like televisions, cologne, pet accessories, etc. My direct deposit from my employer pays off this app and I don’t have to worry about it!

I’ve bought over the course of a year and a half almost two thousand dollars worth of items from them and every time I am happy to do business with them. They even let me get a cat bed and new bowls for my kitty despite me already having an open order with them! So if you’re looking for a way to have better items in your house and not have to worry about having to pay them, look no further because this app is exactly what you need.

Tried purchasing some Christmas toys. I was “approved” before even shopping with them. Placed the order and it says I need to be re-approved basically and asks for my pay stubs or benefits statement. So I uploaded my benefits statement. It was almost immediately rejected. They then ask me to upload pay stubs, which I don’t have. I give them even MORE documentation for my Social Security benefits. (At this point I’ve given them everything that can possibly be printed off and screenshot from the Social Security website). Guess what? Denied again! Telling me I still didn’t give them the right documentation. Honestly the week long back and forth, with yes you’re approved, oh wait now you’re not, and no all your documentation isn’t good enough for us crap is just old. Never again. this app is deleted from my phone. I’ll spend my money somewhere else. this app is a scam. They got ALL SORTS of personal and financial info out of me and all I got was lost time.

I love the concept and was excited to make my first purchase. In order to see if and how it works I got a simple mattress cover for $26 a pay check. I go through the steps of registering a bank account, then wait two weeks for the first payment to hit the account. Finally $26 in the account and I’m ready to arrange delivery. I get an email sorry your items is no longer in stock. So I ask is there in item similar that is in stock? Basically got the answer “I don’t know go look.” So I find another item and proceed to check out a day or so later. Now I have to verify with a pay stub? I just got approved for item you don’t have. Why do I have to verify my pay stub like I’m buying something brand new? It’s a great concept, but this is becoming more trouble than it’s worth. If this is how it’s going to be every time I try to order something; NO THANKS!

I’ve bought several things from this app and all of my orders have been a breeze until my recent purchase, the Apple Macbook. It has been 3 weeks since my order that I’ve made payments on and I still haven’t received a tracking number. I usually receive my orders in a week and a half MAX but usually arrives within a week. The current status states that it’s preparing to ship. I’ve reached out to customer service who tells me that it’s due to COVID. I bought 3 items in June and had no problems receiving them in a timely manner. This laptop is for my small business. I am just deeply disappointed. I’ve asked if they can just tell me when the item should arrive to my home, they told me that their shipping partner said it shipped on 9/11 but that they’re still waiting on tracking information.

I suffered from a very low credit score. In the beginning Perpay gave me a decent amount to purchase with and, due to the convenience of having the money drafted from my place of employment before I get my paycheck, I didn’t have to worry about forgetting a payment. My credit score has jumped up 42 points and the amount I’m allowed to use has gone up a decent amount. I recommend Perpay if anyone is attempting to build their credit. The choices of items on here are amazing and I’ve had no issues with any of the products I’ve received.

Okay so I’ve been using this app for several months now and I’m giving the company a 5⭐️ rating for the amazing service they provide but I can only give Perpay a 3⭐️ rating because I’m constantly running into a frozen screen or buttons that don’t work I wish I could blame it on an old slow phone but I’ve got the apple 10Smax so it’s not a hardware problem. Perpay could really use some update to work out the bugs and streamline it a bit more just to cut back on the sticky screens and buttons not working. Again love the service and the company just wishing Perpay worked as well as the service provides

I wish I can give zero stars, I purchased a chest freezer and they received my first payment 2 weeks later still no tracking and then they received my second payment contact them and get the run around because they don’t have a way to talk to someone on the phone and the chat bots just give you automated answers. Week 3 I get a tracking number but no movement I guess to stop me from asking questions. Now it’s week 6 and third payment and no product and no tracking movement and customer bots don’t have a answer. So I said I want my money back and the scammers tell me that they can’t guarantee a cancellation after first payment. Excuse me!! I’m not someone who just decided I don’t want it because I got it and change my mind. I was paying with the expectation of getting what I’m buy right away. STAY FAR AWAY!!!

Setting up payments takes a little bit of time but not too long, once payments are set up, everything is a breeze and extremely easy. Many products to choose from including quality products, not cheap products like most websites. Monthly, weekly, biweekly payments are small and very manageable for most budgets. Overall, my experience has been great and the products are great. I highly recommend this company to everyone I know, I will stay with this company and keep making purchases for years to come.

I signed up and was approved $1k. I set up my ADP but received a message saying that my account doesn’t support this action and that I’d have to contact my payroll administrator to continue. I was given the option to manually set it up with instruction they provided. I’m hoping it works as I will be paid soon. It will take about 6-8 weeks for the PS5 to ship out once a payment has been made. Would love feedback on the manual direct deposit route. I can’t find any experience on this online.

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.

this app is easy to use, they have a pretty good selection of goods, and most of all you can build your credit while shopping for things you need and love. Obviously there’s a markup but in my opinion it’s worth it to be able to pay over time and build credit at the same time. Plus it automatically comes out of your psycheck. How much easier could it be? I’m sold. I’m on my 5th purchase and will continue to use them for certain things down the road. Thanks this app!!!!

I would say it is super easy and self explanatory on the sign up process. It’s a great app for a little extra help and tight budgeting individuals and families but could be more affordable and include more items for purchase using their app. The shipping it’s super fast once approved compared to other knock off apps trying to compete with this app. The only plus I would have to say is it news to grow to be more affordable and not include more items but other than that it’s one of the best apps on the market. Thanks this app for being awesome!

Basically they give you a line of credit based on your direct deposit and bank info to use for all sorts of things. Men’s and women’s, home and office, electronics, musical equipment, tires, baby gear, and whatever else you could possibly be looking for are available to shop. Then you change your direct deposit info to reflect pay being taken out of your check for only the specific amount you are going to pay each week for the item(s). Go to work. Bam. You’re done. Every week you’ll be making a payment and you don’t even see it leave. Items ship quickly (with the exception of my drum set I ordered before Christmas. I think I got lost in the shuffle around Christmas time.) Everything comes in factory packaging brand new and haven’t had a single issue ordering everything from microphones, recording equipment, AirPods, a Pearl drum set, and I’m about to get a drone. As you make “pays” that money goes straight back into your available credit so you can order more. Great service. Good support.

I have been using this app 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 this app my balance is in 1000’s

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 Perpay requires the number but yet it doesn’t recognize it lol

I’ll admit, I really wondered if this was a scam. Looked through Perpay 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!

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..........

this app 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!

this app 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 this app! You guys are great!
Sincerely,
Todd Marioth

There’s simply no other way to describe my experience with this app 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 this app 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

Set up my this app 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.

I was having an issue with my order not shipping after payment was already received by this app 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.