Perpay - Shop and Build Credit

A Google user

6 years ago

Meh not impressed. App is extremely slow. Selection is good. Also you need to setup direct deposit to make your payments which is just silly, as it takes a week or two for most payroll departments to even process a new direct deposit. On top of that it's another week or two to cancel it, which has you running the risk of paying short or extra if you don't time it right on your last payment. Prices on products are higher than what you would find at your local rent to own places, like Aaron's etc.

Tamarus Bedford

2 years ago

I received a $1000 credit limit for signing up and shortly thereafter, a $50 spending credit as a gift from Perpay. The issue that I am experiencing is the app doesn't download completely nor Perpay via web browser. As I type this review, Play Store page is stuck in refresh mode. I'm sure my device will be held accountable for this. I have forced stop, cleared cache, uninstalled, reinstalled, and no progress. Perpay needs to step it up to compete with it's competitors or get lost in the race 🥴

Shona Henderson (Ms. I Shoot from the Hip)

1 year ago

LEGIT! LEGIT! LEGIT!!! I was very skeptical at first when first trying this app. Since then, I have gotten the items I ordered quickly and the best part is it bills my payroll account so I never even miss the funds. It's a great way to get something you may not be able to purchase up front but it also helps build credit with your payments. I got a brand new ps5 and gaming speakers for my computer. I am definitely going to be a long time customer. It's really a legit company y'all! No lie

K Vano

3 years ago

Awesome program, saved Christmas! Great selection of items to buy and your credit limit goes up quickly after a few payments. It's easy to overspend and end up with $200+ payments every paycheck. They prob don't want you to know this but you can lower the amount of your direct deposit and they still count it as on time payments. Great company allowed me to get what my kids wanted for christmas!

Primate Productions

2 years ago

Per pay can be useful if you want to purchase items and have bad credit as the payments are deducted from your paychecks however BEWARE that all items cost at least several hundred dollars more than you can buy them elsewhere... that is often the price you pay with poor credit. My biggest complaint with them though (and it is a real problem) is that they have no customer service whatsoever! There is no phone number to call and no way to contact them. They set up a callback twice AND NEVER CALLED

Jacob Ferguson

4 years ago

This app is awesome. It lets you finance just about anything without credit. In fact, it builds your credit. My score went up 80 points in 1 year. You just set the payment and forget it. And your item ships after the first one. Before you know it, it's paid off. Yeah, the items might have a slight mark up, but they don't charge interest. So that's just their fee. And they're entitled to it. They buy the item for you and have it shipped to your house. And you pay them back in payments.

munk101

2 years ago

Horrible customer service. I did receive my item but have been trying to pay off my account and evertime I do another 2 dollars magically appear that has to be paid before I can close the account even though it's not just another monthly charge. Customer service takes days to respond. When they do its not helpful at all. Stay away from this business. If you change jobs in between, it's a nightmare to add the new direct deposit. No option to just pay by card without contacting customer support.

David Vega

1 year ago

Well I sign up, BUT after the reviews I'm thinking about deleting my account. 1. I really don't like my whole direct deposit going thru a THIRD PARTY first, I'm ok setting up the payment amount not my WHOLE CHECK. 2. Perpay don't charge interest BUT with the amount charged doubling or more the prices they already charging interest in it. 3. Yes perpay do report to credit bureaus BUT it will be the same as a secured credit card. for me is that they want the whole DIRECT DEPOSIT instead an amount.

Zoe Quinn

2 years ago

So far so good I have bought quite a few items on the market place. Paid off about half just made the biggest purchase a laptop. This is where the issues come in and I think it's on my end not there's. I had 400 payment scheduled but it hasn't gone to them it shows it was taken on my end but nothing on there end. Hopefully by Monday it will be resolved if not I will be emailing them for a full refund of payment and resend it via my debit card. I love this app. So far that's the only issue

A Google user

5 years ago

Very convenient way to purchase items. Payments are very easy to make and they have a great selection of items with more and more being added. Out of all the similar apps this one and afterpay are by far the best two imo. If you're unsure, make a small purchase with them and test it out. I dont know any of you reading this and usually could care less but when I do see a app or company that is actually "good" I will always try and put a good word out there for them.

Joe Thompson

3 years ago

The app works fine. It gave me a $500 limit and has an icon next to the items that are under your limit. I scrolled to a Nintendo switch that was $584 + $25 shipping 😂😂. Will on-time payments help your credit? Yes. You can do this faster with secured credit cards and just using them to autopay your different bills. Don't throw away your money unless you really feel like it's your only option.

T

2 years ago

They are very stubborn and strict. They take forever to respond to your request. Shipping fees are outrageous ranging from the lowest I've seen is $10 for small items and regular from $20-$60 per item. Which can add up real quick even though items are already over priced. I think it's to compensate for something. Most items I received always seems like unwanted partially damaged. I had an item that had a old cigarette butt in the package but couldn't return because I had already opened the box.

Devin Terry

1 year ago

My credit limit jumped from $1,800 to $75 and my credit score went down 49 points because of this app. DONT USE IT. They kept increasing and than decreasing and would email me about why they haven't received a payment. They didn't receive the payment because I'd have to go back in there and MANUALLY put all my info in everytime they'd increase/decrease the spending limit.

A Google user

6 years ago

Edit: Upon revisiting I found the error was fixed. And if the range of products expands I will certainly rate 5 stars. Changed 1 star to 4 stars for prompt maintenance and customer service. Keep up the good work. | I simply wanted to look for a new graphics card, they don't sell any. So i looked at what they do advertise. Tried to view some monitors and every page was missing. Bad first impression, the selection isn't worth it either.

Cody Dickson

2 years ago

This app/program is awesome. I have been trying to find a way to build credit and no credit agency has given me a chance because I was a victim of identity theft and it shot my credit. They just have to set up a direct deposit from each check and have really cool and useful products you can get without putting money up for it at all up front. You practically don't even notice your paying off your items and you have the option to build credit.. super cool and a huge thumbs up 👍 from me!!

Jonathon Mckibben

1 year ago

I've been a customer with them for 3 years. I loved it it helped my credit however I think they have new people running it. Unwilling to answer questions, won't be flexible anymore, doesn't read what you send them like they use too. Only skim and reply. They say no interest because they sell every item 60$-100$+ more than retail value. I miss the better part of what this app use to be. ONLY GOOD IF YOU NEED CREDIT ITEMS ARE WAY OVER PRICED!!

Brian Green

1 year ago

This app is awesome. Selection is limited and the prices are relatively high but thats fair given the structure of making payments on the product. It's taken directly from your direct deposit so it's virtually worry free. They even offer a credit card which is my favorite aspect and really the reason I started using perpay. This all is a must have. Fully recommend at least trying it out. If not fkd the ease of obtaining high prices items, at least you raise your credit score in the process.