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PerpayReviews 2,288

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 2,288 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
1,202
This company responds to reviews on average within 4 days

We monitor reviews for authenticity

Georgia
2 reviews
0 helpful votes
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Great, Fast Service
January 21, 2026

Great way to get things you need or want and break it down to payments. Depending on what it is, you get 2 or three options to pay it back.

Date of experience: January 21, 2026
Tennessee
1 review
0 helpful votes
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Making life easier
January 20, 2026

Breaking down payments into small quantities makes purchasing a lot more doable to buy necessities rather than coughing up a big lump sum all at once

Date of experience: January 20, 2026
Texas
1 review
0 helpful votes
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Great Product!
January 19, 2026

Not only does PerPay allow you to purchase items using direct payments, it allows you to build credit. The credit card is great and gets paid automatically from your paycheck and your limit is reviewed regularly.

Date of experience: January 19, 2026
Oklahoma
1 review
0 helpful votes
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Freedom
January 17, 2026

I'm going to use this opportunity to purchase things from perpay that I would normally buy online somewhere else like eBay or Walmart...
Build my credit and get the things that I would buy online. I think that's an awesome deal...

Date of experience: January 17, 2026
Florida
1 review
0 helpful votes
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Great experience
January 16, 2026

The products I purchased through have been excellent and the pricing is comparable to the market so I think it's a win-win for all involved :)

Date of experience: January 16, 2026
Missouri
1 review
0 helpful votes
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Great Opportunity! WIN/WIN SCENARIO
January 16, 2026

For anyone looking to build some credit responsibly, get some cool new things you want and with the ease of mind knowing that the payment comes right out of your check with no hassle. It's a WIN for both sides. You can't go wrong!

Date of experience: January 16, 2026
Mississippi
1 review
0 helpful votes
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Incredible Experience
January 15, 2026

For reference, I have less than perfect credit. I have been applying for cards to try to boost my score since I just graduated college and an settling into a career. They approved me for a $500 card and a $1000 marketplace limit. Some prices in marketplace are a bit inflated, but most are solid. Payment comes from my check and it's no hassle at all. 10/10

Date of experience: January 15, 2026
Texas
1 review
0 helpful votes
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Best credit building ever!
January 14, 2026

Perpay has been amazing for me and my family! When I could not get approval for anything they gave me a shot! 2years later and here we are! I stand by perppay!

Date of experience: January 14, 2026
Texas
1 review
0 helpful votes
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I've ordered 4 times within the. Last week and half soon as you make your payment it's literally getting packed sending updates as well tracking numbers corresponding with the driver and picture

Date of experience: January 12, 2026
New York
1 review
0 helpful votes
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YeahYeah
January 11, 2026

Since using Perpay my credit score jumped up 140 points. Products are quickly shipped and payments are easy to make. I've been with Perpay for over a year.

Date of experience: January 11, 2026
Alabama
1 review
0 helpful votes
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The Best
January 9, 2026

Get a new laptop for school, but at this point that can't afford to pay for one outright. Perpay has made it where I can get my new laptop with payments and everybody has been very helpful.

Date of experience: January 9, 2026
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