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
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Review summary
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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
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
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
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
Philadelphia, United States
- hello@perpay.com
- perpay.com
4.6
Excellent
4K reviews
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Gives good insight.allows to build…
Gives good insight.allows to build credit and has multiple products to chose from,
April 4, 2026
Great an flexible acess easy to shop
Love everything about this app very easy to understand
April 3, 2026
Easy pay from payroll
April 2, 2026
Setting payments on direct deposit…
Setting payments on direct deposit means I don't have to wonder if I'll have enough left over. And breaking the payments into 20 means it's a small enough amount to not hurt my pocket. I don't even notice while it pays itself off! I started with a new phone, now I'm planning on an e bike. Why not?!
April 1, 2026
Good products not to much extra then at…
Good products not to much extra then at retail stores which is a major plus.Thank you
January 1, 2026
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
I ordered an iPad through their…
I ordered an iPad through their platform and they immediately started taking payments directly from my paycheck. However, I never received the item. Tracking later showed that the package was returned to the sender, meaning I never got what I paid for.
After reaching out multiple times, their customer service ignored me for days. When they finally responded, they told me I would not be receiving the iPad and would not be getting a refund. Instead, they said the money I already paid would be applied to a completely different product (a TV) — something I never agreed to.
This is unacceptable. I paid for one product, never received it, and now they are refusing to refund me while using my money for something else without my permission.
What makes this worse is that they take money directly from your paycheck, which gives you very little control once something goes wrong.
Based on my experience:
• Customer service is extremely slow or unresponsive
• Refunds are difficult or denied even when items aren’t delivered
• Payments continue even when there is an issue
• They may reallocate your money without your consent
I am now forced to file complaints just to try to get my money back.
I would strongly advise anyone to be cautious using Perpay, especially since they require direct payroll deductions.
March 31, 2026
Unprompted review
Reply from Perpay
Thank you for bringing this to our attention. We apologize for the initial issues you've experienced with your order and the subsequent issues regarding your direct deposit payment. Unfortunately, due to needing additional information to overcome certain security holds and to uphold verification standards, additional reviews may be required. To ensure we've addressed your concerns and resolved them, a team member has reached out with the next appropriate steps to follow. Please respond to their message with the requested information, and they will be more than happy to assist you from there!
Paid for item never received. Perpay won’t accept
I had a terrible experience with Perpay that I feel obligated to warn others about.
I ordered a PS5 through their platform, and the package was marked as “delivered” by FedEx—but it was never actually received. I immediately checked my property and surrounding area, and there was nothing there. Even the delivery photo provided by the driver does not clearly prove it was delivered to my correct address.
I contacted Perpay the same day, expecting support. Instead, I was told to “wait another day” in case it showed up. I followed their instructions. It never did.
Then I was told to file a police report and submit proof. I did exactly that. I filed a report with the City of Minneapolis, provided all details, and was even contacted by a police officer to confirm the case. I submitted the report to Perpay as requested.
That’s when things took a turn for the worse.
Perpay began giving me conflicting information, at one point even claiming I hadn’t submitted the report—despite the fact that I had already sent it. To remove any doubt, I resent the report multiple times.
Now they are refusing to help entirely, claiming I am fully liable for the missing package simply because the police report is “temporary” or “pending”—something completely outside of my control.
Let me be clear: I followed every single step they required, immediately and in good faith. I reported the issue promptly, cooperated fully, and provided documentation. Yet I am being held responsible for a product I never received.
This is unacceptable.
Customers should not be forced to absorb the loss of undelivered items while the company avoids accountability. I will be filing formal complaints with the Better Business Bureau (BBB), Consumer Financial Protection Bureau (CFPB), and the Office of the Attorney General.
If you’re considering using Perpay, be aware: if something goes wrong with your order, you may be left completely on your own.
March 31, 2026
Unprompted review
Reply from Perpay
Thank you for bringing this to our attention! We take reports of missing high-value items like the PS5 very seriously, and we apologize that our process has failed to provide you with a timely resolution. We do not want our members to be held liable for items they did not receive when they have followed all necessary steps. Please reach out to us at hello@perpay.com and mention this ticket number, #RPM9X2L7T6A10. A team member will happily assist you from there!
Has been a true blessing to me and my…
Has been a true blessing to me and my husband 🙏🏾 Thank you !
March 31, 2026
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