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PerpayReviews 2,241

4.6

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From the business

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/.


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Perpay Reviews Summary

Perpay has a rating of 4.6 stars from 2,241 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Perpay most frequently mention customer service, direct deposit and credit score. Perpay ranks 7th among Discount Shopping sites.

service
389
quality
1,203
This company responds to reviews on average within 4 days

We monitor reviews for authenticity

Texas
1 review
0 helpful votes
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What A Deal
January 7, 2026
Updated review

I have bought several items from Xbox's to my ninja slushie. This app makes it easy for me to buy things I want without hurting my budget!

Date of experience: January 7, 2026

Best way to shop
July 6, 2025
Previous review

I am so grateful for an app like this. Not only is it building my credit it's also allowing me to shop for myself and my family.

Date of experience: July 6, 2025
Georgia
1 review
0 helpful votes
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Amazing credit builder
January 7, 2026

I was able to get my daughter an apple ipad that was almost the newest model. And payments come out of my check so I don't even have to keep track

Date of experience: January 7, 2026
Pennsylvania
1 review
0 helpful votes
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Pepe has sleep and amazing. I will advise and recommend this to anyone that is in need of getting help with getting a gift for their children loved ones birthday holiday yourself or pay overtime is a great way to pay where a certain balance gets deducted directly out of your check

Date of experience: January 5, 2026
Indiana
1 review
0 helpful votes
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It's good to get things and just let it passively come out your check while building your credit score. Get something, pay it off, get something again. 💯

Date of experience: January 5, 2026
Georgia
1 review
0 helpful votes
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So far, this experience has been wonderful, and i'm very excited, having a way to build my credit where it's automatically taken out of my check. And reported to the credit bureaus, it's amazing and I can't wait to start.

Date of experience: January 4, 2026
California
1 review
0 helpful votes
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Best pay over time app
January 3, 2026

I purchased about 3 items
Why: I didn't feel like paying all the money upfront
Result: happy with the purchases and I know it will automatically get taken out of my pay check overtime and I. Don't have to worry about late or missing payments

Date of experience: January 3, 2026
Virginia
2 reviews
0 helpful votes
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PERPAY has been a lifesaver!
January 3, 2026

Perpay, what can I say? ITS BEEN A GODSEND! I have been rebuilding my credit from a past divorce and with Christmas that just past it allowed me to give my new wife and my twin daughters an amazing Christmas by using my online credit for some amazing gifts. Also one for me! Usinig my Perpay is easy and the process is flawless. I put money in my account from payroll, then I am extended a credit line for the online stores and also for my card.
I don't have to worry about missing a payment or anything, its all handled in the back during my paydays and my savings.
If your getting your credit on track, or want a easy way to get started PERPAY is the way to go! Give them a try you won't look back!

Date of experience: January 3, 2026
Alabama
1 review
0 helpful votes
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Can't be mad!
January 3, 2026

For what it is…. It's awesome! Really easy I don't even know I'm paying on what I got! Only weird part would be that when you make a purchase it's always asks you to set up direct deposit! Even after you already have set it up! So your left questioning what is going on! If they can clear that up it's nice smooth and easy!

Date of experience: January 3, 2026
Texas
1 review
0 helpful votes
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I loved the fact that I don't have to worry about setting aside the money for that bill, they automatically take it out of my paycheck themselves. That's very convenient. I also like that I have more than just one option to pay it off quickly or take a little longer.

Date of experience: January 3, 2026
Texas
1 review
0 helpful votes
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Royal
January 2, 2026

I started using perpay for my Christmas Shopping and everything came before Christmas as stated as well as until my card came I was able to use it virtually... Super excited about everything Christmas, my birthday and New Year was done on budget with reasonable payments and time period

Date of experience: January 2, 2026
Pennsylvania
1 review
0 helpful votes
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This has to be the best way to build credit fast and without paying crazy interest amounts. This is simple fast and effective. If you haven't got one of these cards well what have you been doing, hiding under a rock

Date of experience: July 2, 2025
California
1 review
0 helpful votes
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Great way to reestablish credit
January 2, 2026

You were with my bank overpaying. I was able to withdraw my pay after paying off my first installment payment so I'm feeling pretty good that my credit is gonna look a lot better next month. Thank you for the opportunity.

Date of experience: January 2, 2026
Iowa
1 review
0 helpful votes
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So easy
January 2, 2026

Applying was so simple getting approved was so simple the fact it comes out of my paycheck before I even get my paycheck is awesome does the thinking of paying down credit for me

Date of experience: January 2, 2026
Vermont
1 review
0 helpful votes
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Best idea
January 1, 2026

Such a brilliant idea to boost credit while purchasing things you need even if that means I pay double the value as I'll have amazing payment history thanks to direct pay automatically

Date of experience: January 1, 2026
Illinois
1 review
0 helpful votes
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Very satisfied
December 31, 2025

Ive ordered several items from Perpay and they all have been high quality and the convenience of paying from direct deposit is nice. Very large selection of items. Also they report to the credit agencies, thats nice as well. I plan on ordering more from them in the near future

Date of experience: December 31, 2025
Arkansas
1 review
0 helpful votes
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After pay support
December 31, 2025

The support team is above reproach and unequaled in the customer service department. They have responded to my mass confusion with easily understandable instruction and super fast to respond!

Date of experience: December 31, 2025
Connecticut
1 review
0 helpful votes
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I received my item literally the day after my first payment went through.

After you're approved for PerPay, they give you a free credit limit. You use that amount on whatever you want from a huge collection of items on their app/site. Once you finish adding what you want to your cart, and order your items, your items start being shipped to you once your first payment goes through. You'll connect your direct deposit from your job, to PerPay, for whatever amount you agreed to on the PerPay app/site. You can finish paying the credit back in a short amount of time, or take your time, it's up to you. The physical card is sent after the first payment.

Date of experience: December 30, 2025
Missouri
1 review
0 helpful votes
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Never experienced such an easy process to find great high-quality products at such a great price without having to pay for it all up front. The concept behind letting your paycheck direct deposit make your payments for you is the best I've ever delt with. Perpay is hands down the best pay later site in the business!

Date of experience: December 30, 2025
Maryland
1 review
0 helpful votes
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Happy with experience
December 29, 2025

No issue with the setup process, ordering or delivery.
Direct deposit setup was simple.
Any issue you could consider would be the limited brands available but that is not going to stop me from ordering what is on my list of favorites. Referral bonus fast and simple. I have tried to tell and refer everyone at job.

Date of experience: October 3, 2025
California
1 review
0 helpful votes
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Love it
December 27, 2025
Updated review

It's awesome to have propane because it's connected to your direct deposit from your employer so like they never receive a late payment from you cause it's automatic and I like that a lot cause I'm very forgetful

Date of experience: December 27, 2025

Watching my back
December 22, 2025
Previous review

When I don't have any money to spend Perpay is always there, I got my son a Lenovo laptop for school and he loves it

Date of experience: December 22, 2025