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PerpayReviews 2,379

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 2,379 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
1,201
This company responds to reviews on average within 4 days

We monitor reviews for authenticity

Arizona
1 review
0 helpful votes
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Payment options
February 20, 2026

Would be a perfect 5/5 if there were more payment options including initial payments when signing up, or extra/early payments instead of only the direct deposit option

Date of experience: February 20, 2026
Missouri
1 review
0 helpful votes
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Slow response time.
February 19, 2026
Updated review

Have had some small issues with response time when dealing with these issues! It would be great to have a phone number and a live agent to talk to. This email and chat doesn't satisfy my idea of customer service!

Date of experience: February 19, 2026

No way to talk to a live person
April 14, 2025
Previous review

Electronic communication just doesn't do it. But, this is the new age of, "The customer is never right ". Other than that, I love perpay.

Date of experience: April 4, 2025

Happy
May 2, 2024
Previous review

Couldn't be more satisfied with Perpsy overall. Inky thing better would be a direct CS line.

Date of experience: May 2, 2024
Missouri
1 review
0 helpful votes
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Easy payments with credit building
February 18, 2026

Perpay is a good way to get things you want with making easy payments from your direct deposit payroll check also building your credit up along the way. Making payments on time your spending amount goes up quite a bit.

Date of experience: February 18, 2026
Texas
1 review
0 helpful votes
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Satisfied Customer
February 18, 2026

Found a touchscreen laptop for my mother. It's just what she wanted at a price I could afford. But Per Pay took it steps further. My payments were split to make it more convenient AND my credit score went up 32 points in 2 months. Awesome program.

Date of experience: February 18, 2026
Maryland
1 review
0 helpful votes
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I love being able to shop prepay and have it payroll deducted I have bought 3 of the apple I watch 10 11 series special edition a pair of the Nike joggers and I must say with this snow storm here in md they came in handy the warmest pair of bottoms I have I got a black Nike shirt to go with them I'm bout to get something else

Date of experience: February 13, 2026
Florida
1 review
0 helpful votes
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Great credit builder
February 16, 2026

If you struggle with credit this is the app for you. While the items are more expensive than if you bought them elsewhere it is building you credit so well worth it.

Date of experience: February 16, 2026
Missouri
1 review
0 helpful votes
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I found out about perpay through the app paychex. I was able to get my kids a Nintendo switch oled and 3 games for Christmas and it's totally worth the price I know it's more expensive than buying something on Amazon but I am paying it off over 10 months and that's doable. I am very happy with perpay and I have nothing but good experience and Good things to say. Go for it you deserve whatever it is you want and with perpay you can get it

Date of experience: February 15, 2026
Virginia
1 review
0 helpful votes
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Fast, easy, brilliant
February 14, 2026

Probably the best thing since sliced bread. Lol, just kidding but definitely a big help with big ticketed items. Being though I have four children and it's hard to budget big ticket items at once, I can thanks to Perpay :) I just pay a small amount every week I get paid and I can afford what I can't pay at once. It was really easy to set it up through my payroll since I have an app. It matched up in no time. Items ship when you get paid. I love it.

Date of experience: February 14, 2026
Tennessee
1 review
0 helpful votes
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Great service
February 14, 2026

It was a great way to purchase my son's Christmas gifts and every other thing that I need per pay is excellent and I really appreciate his service

Date of experience: February 14, 2026
Massachusetts
1 review
0 helpful votes
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Easy Paycheck Payments with a Tradeoff
February 13, 2026
Updated review

Perpay is helpful if you need to make a purchase but don't want to use a credit card or deal with high interest rates. The paycheck deduction setup makes payments manageable and predictable, which I really appreciate. It's especially useful for larger items you may not be able to pay for all at once.

That said, prices on Perpay are usually higher than retail, so it's important to compare before buying. You're definitely paying extra for the convenience. As long as you go in knowing that and use it for necessities or planned purchases, it can be a solid option.

Overall, Perpay does what it promises—easy payments, no credit check, and straightforward deductions. Just be mindful of the total cost.

Date of experience: February 13, 2026

Its a triple win
July 30, 2025
Previous review

I love the convenience of being able to select from thousands of name brand products and have the payments deposited directly from my paycheck. It takes away from the worry and it helps improve my credit. It's a triple win. Great products to choose from, direct payments and credit building..

Date of experience: July 30, 2025
New York
1 review
0 helpful votes
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Prepay made purchasing easier for me!
February 13, 2026

I was having trouble with affording product I needed. Then I came across Prepay and the option of having affordable payments come directly out of my paycheck help with some of the stress I was facing.

Date of experience: February 13, 2026
Macao
1 review
0 helpful votes
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Very affordable
February 13, 2026

I found out about this app through my work and I must say hands-down y'all are the best being able to get really nice things or things that you need or want for a affordable price without the stress of having to have all the money upfront is a blessing

Date of experience: February 13, 2026
Mississippi
1 review
0 helpful votes
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My Blessing In Time Of Need
February 12, 2026

I Absolutely Love Perpay. They Help You Out When You Can't Afford To Buy Something At Full Price All At Once! They're Payment Plan Is Very Affordable...

Date of experience: February 12, 2026
Arizona
1 review
0 helpful votes
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As advertised
February 9, 2026

I think this was the best thing to happen to me this past year. When I first got the card it really helped me on paying off bills and food. Then I got some much needed items, like my jump starter/tire inflation pump. That kit has already come in handy more than once. Now I'm building my credit and I got an increase on the card! Join in confidence.

Date of experience: February 9, 2026
Georgia
1 review
0 helpful votes
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Easy to use
February 8, 2026

I love that I don't have to worry about paying it because it is automatically deducted from my paycheck before I even get it.

Date of experience: February 8, 2026
Georgia
1 review
0 helpful votes
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Very convenient
February 7, 2026

Great for bigger orders that you can pay off overtime by taking a little bit of a direct deposit out of your paycheck therefore, you know it always gets paid.

Date of experience: February 7, 2026
New York
1 review
0 helpful votes
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Easy to use
February 6, 2026

I love how easy the website is to use and the fact that its automatically taken out i never have to worry about a missed payment. It has helped rebuild my credit as well. Quality of products has been fabulous and I have never had a problem with shipping.

Date of experience: February 6, 2026
Massachusetts
1 review
0 helpful votes
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I love this card
February 4, 2026

I have had an amazing experience. I wish I had a higher card limit but in due time.But this card is amazing I hope to see my credit score increase

Date of experience: February 4, 2026
Ohio
1 review
0 helpful votes
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Satisfied customer
February 4, 2026

Products are great! Fast delivery and payments on time! What more could you want?! Did I mention my credit score is blowing up!

Date of experience: February 4, 2026
Texas
1 review
0 helpful votes
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Amazing
February 3, 2026

I love the convenience and flexibility on every purchase. Allowing me to set up through my direct deposit makes for easy payments. I highly recommend Perpay!

Date of experience: February 3, 2026