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
Created with AI, based on recent reviews
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Reviews shaping this summary
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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very good and on time
March 27, 2026
Perpay is awesome and very cont
Perpay is awesome and very convenient especially if there is an urgent need for items and you’re short on cash, just set up a payment plan and forget about it.. THANKS PERPAY 🥰
March 30, 2026
How I feel about Perpay?9…
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 points Ang am the proud owner beautiful Burberry bucket hat
March 29, 2026
Every time I use my card I don't have a…
Every time I use my card I don't have a issues using it and I am proud that I am one of the cardholder. I look forward to making on time payment so that I can still be using it on purchases that I really need. Thank you for all that you do for me.
Dexter Peter Apatang
March 27, 2026
I’ve been having a really great…
I’ve been having a really great experience with Perpay so far. What I love the most is how much it’s actually helping me build my credit while still letting me shop for things I need. The payment structure is clear, manageable, and fits well with my budget, which makes it stress-free to stay on track.
I also appreciate how transparent everything is, there are no surprises, and I always know exactly what I owe and when. It feels like the company genuinely wants to help people improve their financial situation, not just make a profit.
Overall, Perpay is doing an amazing job making credit-building more accessible and simple. I’m really happy with my experience and would definitely recommend it to anyone looking to improve their credit in a responsible way.
March 27, 2026
Best decision that I ever made was to…
Best decision that I ever made was to establish this account! 💯 legit!
March 26, 2026
Amazing place to purchase
March 26, 2026
May use AI-assist with repliesRead more
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Worst scamming company I've ever dealt…
Worst scamming company I've ever dealt with.They send a product that does not work.And they refuse to replace it, they've asked for videos.I've sent them.They're saying they want more videos.It obviously does not work but they are refusing to replace it after making crazy demands for proof that it doesn't work which I have presented and they still refuse to help.
March 23, 2026
Unprompted review
Reply from Perpay
Thank you for bringing this to our attention. We sincerely apologize that our request for additional proof has felt like a refusal to help. That is certainly not our intention. If your product obviously does not work and you’ve already provided video evidence, then we'll be more than happy to assist you from there. A team member has reached out with a resolution; if you have any additional questions or concerns, please let them know, and they will assist you further from there!
Perpay is by far the best buy now pay…
Perpay is by far the best buy now pay later app to have access to. The delivery process is smooth and simple, I would recommend Perpay 10/10
March 26, 2025
Stay away or risk losing money and time.
This company is a joke and they'll take you for all you got. I couldn't afford paying for a brand new ps5 al at once, so to me it sounded great. However, they sent me a returned ps5. As soon as I received it, I opened the box just to find that the original box seal was torn off and opened. So I contacted them immediately. They apologized and wanted me to send it back for a exchange. After the second day, I decided to keep it because didn't want to go through the wait and hassle. I plugged it up, installed updates, popped in game and waited to update or copy game as it says. So excited to play, I start game and less than 2min through the game, it starts making a loud humming sound and gives message that it was overheating and shut off. I emailed them, they told me to send video, email kept failing to send video. Then they ask for pictures. I sent them pictures of message it kept giving me and they weren't satisfied. They want a video wich it continued to fail to send. Anyways long story short. They never accepted the return and I am just waiting what happens from here. I do not recommend using the because they appear to be a bunch of crooks. They knew that they sent me a returned ps5 for twice the price and still giving me a hard time to return item,they won't even reply to my messages no more. Very bad company to deal with. Never again...
March 16, 2026
Unprompted review
Reply from Perpay
We sincerely apologize for the trouble you’ve had with your order. We understand that sending large video files via email can be difficult; we're more than happy to work with what we have to ensure you receive the item you paid for. Please reach out to us at hello@perpay.com, and a team member will assist you from there!
payment comes right out of my paycheck…
payment comes right out of my paycheck and builds my credit at the same time. I can enjoy the products I been wanting without having to spend all the money at once. it Great. Thank you so much...
March 25, 2026
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