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Perpay Reviews 3,581

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TrustScore 4.5 out of 5

4.6

Money & Insurance
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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the company for its excellent products, flexible payment options, and seamless user experience. Many appreciate the automatic payment system, often linked to payroll, which simplifies managing payments and helps build credit. The fast delivery service and the ability to acquire high-value items without upfront costs are also consistently highlighted as major benefits. However, some customers expressed dissatisfaction with certain aspects. A few reviewers noted that product prices, along with interest rates, can be a bit high compared to market value. There were also isolated reports of issues with delivery, such as items not arriving or being damaged, and difficulties with returns or refunds for undelivered products. A small number of users also mentioned problems with their credit limits or the inability to use the service due to specific employment situations.

What people talk about most

Product

Reviewers mention positive feedback about product. Customers appreciate the great products and services, with... See more

Payment

Clients share positive opinions on payment, especially appreciating the convenience of automatic deductions... See more

User experience

Consumers find the user experience to be positive, highlighting its ease of use and convenience. Many... See more

Delivery service

Users describe positive interactions with delivery service. Many customers praise the super-fast shipping and... See more

Price

Reviewers highlight positive aspects of price, appreciating the transparency and ability to afford... See more

Based on these reviews

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

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

Runs on Auto-piolet, w/ the bonus of helping to build credit. I love how I don't even have to think about making the payment. It just automatically happens in little weekly bites instead of one larger... See more

Rated 5 out of 5 stars

I mess with Perpay the long way I just got a Switch 2 Mario kart world bundle with all he accessories and whatnot I couldn’t be any more happier I’ve paid off my first order,built my credit up 24 po... 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've been using Perpay for almost a…

I've been using Perpay for almost a year now and I love it! I love that I can attach it to my payroll checks so I never miss a payment. I also love that they have so many name brand items that I can get and make payments on and that's my definition of ballin on a budget for sure and I'm here for it! Thanks perpay!

February 26, 2026
Rated 5 out of 5 stars

10/10 Recommend

I’ve had a really positive experience using Perpay. It’s been a great option for making purchases without having to rely on traditional credit cards. I like that payments are automatically deducted from my paycheck, which makes budgeting easier and helps me stay on track without worrying about missing due dates.

The approval process was simple, and I appreciate that they focus more on income and employment rather than just credit score. It gave me access to products I needed while also helping me build credit over time. The app is easy to use, payments are clearly outlined upfront, and there are no hidden surprises.

Overall, Perpay is a convenient and responsible way to shop and manage payments. I would definitely recommend it to anyone looking for a flexible payment option that also supports credit building.

February 24, 2026
Rated 3 out of 5 stars

I love but I don't like the fact that I…

I love but I don't like the fact that I was with y'all for a while with on time payments and now I'm not on active shipment I have to make a payment first and I didn't have to do that so why am I not on active shipment?

February 21, 2026
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Reply from Perpay

Thank you for being a long-time Perpay member! We apologize for the confusion regarding your shipment status. A team member has reached out to you to offer some clarity regarding active shipping; please respond to their message, and they will happily assist you from there!

Rated 5 out of 5 stars

Yeah

It was easy and straight forward. I got the items I've been wanting at a fair price with straight forward terms.

February 21, 2026

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