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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 This ap offers older and out of date merchandise the Clarisonic Mia 3 was available and that is off the market everywhere else and replacement heads are available but they want full price. I looked at the other offerings you can buy and they are out of date and no longer available through their manufacturers and for a high price.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 Perpay 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 Perpay 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 Perpay send them them the correct console first and the the customer send back the incorrect console they received. Also Perpay 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.

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. Perpay is deleted from my phone. I’ll spend my money somewhere else. Perpay is a scam. They got ALL SORTS of personal and financial info out of me and all I got was lost time.