• Perpay Inc.

Perpay Inc.

Overview

Perpay Inc. has a rating of 2.25 stars from 207 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Perpay Inc. most frequently mention customer service, direct deposit, and phone number problems. Perpay Inc. ranks 785th among Discount Shopping sites.

  • Service
    113
  • Value
    112
  • Shipping
    107
  • Returns
    79
  • Quality
    100

This company responds to reviews, but usually not within the first month

Positive reviews (last 12 months): 19.5%
Positive
15
Neutral
5
Negative
57
84
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What reviewers want you to know

Positive highlights

No positive highlights yet

Critical highlights

  • You all should be ashamed of your terrible customer service.
How would you rate Perpay Inc.?
Top Positive Review

“Disappointed”

Brittany M.
2/4/24

Used Perpay in the past never had any issues my recent order my 70 inch tv took eternity to get delivered. Not at all Perpays fault but I was continuously told that it would delivered the next day order was placed on the 12/28. I didn't receive my tv till 1/31. I unboxed the tv today because I haven't been home since it was delivered no visible cracks tv seems pristine when I turn it on tv is completely damaged. I waited over a month for this tv and I finally get it and it's broken. 😡

Top Critical Review

“Pixel 6a”

Natalie C.
2/18/24

I ordered a pixel 6a from perpay 3 months ago and the phone stopped working friday night 2/16/24 I am so upset i never had this problem unfortunately there's nothing prepay can do about it 😞 and google isn't much help they want to charge me to repair it when it's a manufacture error 😢

Reviews (207)

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Reviews that mention popular keywords

customer service (58)
Thumbnail of user brittanym934
1 review
0 helpful votes
February 4th, 2024
Verified purchase

Used Perpay in the past never had any issues my recent order my 70 inch tv took eternity to get delivered. Not at all Perpays fault but I was continuously told that it would delivered the next day order was placed on the 12/28. I didn't receive my tv till 1/31. I unboxed the tv today because I haven't been home since it was delivered no visible cracks tv seems pristine when I turn it on tv is completely damaged. I waited over a month for this tv and I finally get it and it's broken. 😡

Service
Value
Shipping
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Brittany, thank you for sharing your feedback with us. We apologize for the delay in delivery and the inconvenience caused. Please reach out to our customer support team so that we can assist you in resolving the issue with your TV. We appreciate your patience.

Thumbnail of user micheller2926
1 review
0 helpful votes
March 22nd, 2024

You should try perpay it's just like layaway except they take it out of your paycheck every time you get paid so you don't have to worry about having enough money to pay that bill.

Tip for consumers:
Yes the prices could come down a little bit because you pay almost double what you do in the store but the shipping cost is perfect an right on point fir the shipping of all products.

Products used:
End tables an coffee table, toys, house hold basics, bed frame, mattress.

Service
Value
Shipping
Returns
Quality
Thumbnail of user parrisj3
1 review
0 helpful votes
August 29th, 2022

So yes it takes a while to get someone in customer service to respond like a day or so but usually I get a quick response in an email. I've received all my orders and I've ordered apple products, dressers and tvs. No problems. Actually shipped super fast even around Christmas and my most recent purchase was 6 days ago and received it 2 days ago. Easy payments come out of my paycheck and I'm good. Not sure what's happening with other people but this site is actually pretty good.

Tip for consumers:
Make sure you make on time payments.

Products used:
Apple IPad, Samsung TV, Ashley Dresser, Electric scooter

Service
Value
Shipping
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Parris, Thank you for taking the time to provide us with a review of your experience. I am pleased to hear that our team made your experience pleasant and we look forward to seeing you again soon!

Thumbnail of user rogerg402
1 review
2 helpful votes
February 13th, 2022
Verified purchase

Great in every way, easy to work with, great products, great people to do business with - my only negative that keeps me from five stars is the delays in approval, which I was not expecting when I ordered items to give as gifts which means there's a window of urgency that I needed on my very order so far but unfortunately these delays are not ideal. Nonetheless, they will not hamper my desire to get this current order finalized or any future orders I surely will be placing. I might suggest not telling us anything about having an approved credit limit until the order is submitted, or maybe make the potential for delays for approval and shipping more visible prior to the moment you e get ready to submit an order. It would not change my desire to place orders through you guys either way, but it's my thoughts on the matter and it's my reasoning for the 4 star review. But anyway, I am still satisfied to say the least. Thank you for the hard work and time spent making it all happen. Great job and keep up the good work and thank you for hearing what I have to comment about.

Roger Griffith

Tip for consumers:
Very user friendly just know ahead of time that the checkout is not a click and it’s on the way next day… maybe for some people it may be that way, but I have experienced the same on all my orders …. Click submit order (not over my credit limit, btw) and then the order pending review is the next step (1-2 days), then the ship date will be whenever the first payment clears their system… THEN the item ships to your location at the normal rate of time as any other company I’ve ordered from. thanks

Products used:
I bought an iPhone for a gift, as well as sone video game accessories and sone toys for the kids.

Service
Value
Shipping
Returns
Quality
Thumbnail of user chealyn16
1 review
1 helpful vote
April 12th, 2023

I was in a rough spot for Christmas and per pay was there when I needed it. I was able to get my son something he really wanted and best part was making payments and not having to pay for it all right away because I couldn't afford to.

Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hey Chealyn, our team always enjoys reading reviews like the one you left us!

Thanks so much for your kind words about Perpay. Have an amazing day!

Thumbnail of user deek132
1 review
9 helpful votes
November 18th, 2021

Yeah this company marks up their products, I'm confused as to what any were to expect from a company who doesn't do credit checks. Usually giving most customers some credit value to shop with as long as you pay your first payment, then the item will ship. My item took a few weeks which I expected because, unlike 90% of these other reviewers, I read the details dealing with their shipping process and length. It literally says under every item I've just looked at, their shipping procedure and possible waiting time for arrival. It's kinda hilarious how most of these others reviews were just horrified and so inconvenienced by how long some products took to arrive, although most I read here literally said they waited a certain amount of time and we're completely unsatisfied. Even when the times they waited, no lie, we're almost exactly the amount of time the company says to possibly expect. Especially for certain products (PS5). Besides the marked up price for basically all credit acceptance, the shipping length of certain items depending on size and time you pay your first payment, this company isn't all that bad. At least, from what I've seen, everyone here can say they eventually got their orders and didn't get scammed. If you don't like the little inconvenience, if you can even call them that, then go and use a credit card somewhere else or pay straight up cash. No one's forcing anyone to proceed with orders, lol. Crazy dude

Tip for consumers:
The new Switch was priced at $52 payments, 12 payments in all. Took 13-14 days to arrive after 1st payment. Shipping is lengthy but product came, what looks like 100% unused brand new. Plus 1 year protection plan I chose for $5 extra each payment. Small price to pay for basically a warranty on a unused Nintendo Switch.

Products used:
Nintendo Switch Brand New

Service
Value
Shipping
Quality
Thumbnail of user williamm2837
1 review
7 helpful votes
May 7th, 2021
Verified purchase

Being young and stupid with my finances got me into a pickle. But, I'm slowly working my way out of the hole I dug and PerPay has allowed me to be slightly more fiscally responsible than I have in the past while I get to enjoy some great new items without having to wait. Perpay allows me to purchase items like on a layaway program, but instead of the items collecting dust in the back bin of a store, I get to use them immediately (upon delivery of course). They have high end and big brand name products and they typically will order them from a reputable store like Best Buy but they also use a 3rd party fulfillment center that has questionable shipping/storage procedures but it isn't a deal breaker.

Perpay makes their money on over pricing items by about 30-50% on top (if an item costs $300 at Best Buy, they will charge $430-$450 for the same exact item on their site), and they over charge for shipping (every thing has a shipping cost even if you purchase multiple items in a single order). But, they are floating the cost of the items up front and you essentially pay them back over time, so I get that they have to make their money somewhere.

Their site is slow, usually has only 1 image of the item and the description, if provided, is ripped right from the site they are ordering from, again think item description from Best Buy but smashed into a paragraph on their site. I usually have to locate the item on another website to get multiple images of what the item looks like and to get a more detailed description and/or video. Their app is basically a mobile version of their website and it's just as bad.

As for customer service, they are atrocious. It takes days to get a response and even then it's difficult to get someone to respond, even if you respond immediately to an email, within 24 hours. Conversations take forever. They have done right by me though. I had a damaged in transit item that they replaced (The replacement was at my door within 48hrs (I think I was extremely lucky)), but remember I mentioned the 3rd party vendor for some items? Well, both times I've ordered from them and the item was from that 3rd party vendor, the item had come damaged. Even the replacement was cosmetically damaged. But they did right by us and got me replacement items without much fuss. Returns are a pain in the butt and I can't blame them since they are trying to hold the 3rd party vendor accountable and the 3rd party vendor just isn't having it. So, I've had to play middle man a few times. It comes with the territory and I realize they are no Amazon.

While this site has it's issues, I feel that they offer a service that has helped me get the items I wanted/needed without much fuss. I've been using them for over a year and I will continue to use for their convenience.

Tip for consumers:
Do it if you know you can't save the money. I have good intentions, but I can never seem to keep flush because all I want to do is pay bills and I want a little fun too.

Products used:
Lawn & yard devices, dishwasher, TV console stand, gaming consoles, electronics, row machine, toys, bedding, clothing, outdoor grills, home appliances, more.

Service
Value
Shipping
Returns
Quality
Thumbnail of user raheemh4
1 review
1 helpful vote
December 24th, 2021

I been with perpay for about 4-5 months and it's been a good experience. Alot of their products say 2-3 business after the first payment then they ship it and for the most part they usually ship my stuff the same day they get the first payment which is always nice lol. My most recent purchase I took a shot and ordered a series X and I seen alot of people give this company a negative review of the how it takes 6-8 weeks just to get a series X and Ps5. That was essentially my expectations to wait 6-8 weeks. I believe perpay supplier is bestbuy and when they series X or ps5 available then that's when perpay buys them and ships it to us that explains the 6-8 week window. Well I paid them last Friday and I got one today, so it took like 6 days to finally get to my hands. I was expecting it but I was really happy. The only complaint I have with this company is the customer service is horrible probably the worst tbh. One time I had to wait almost 4 days just to get a response back. But overall this company is s good company if you want to get something ypu want from their site but also built credit!

Tip for consumers:
Be patient on the next gen consoles. Their supplier is bestbuy and when they have one in stock perpay will grab one for you.

Products used:
Video games, accessories and the series X

Service
Value
Shipping
Returns
Quality
Thumbnail of user stevenb3131
1 review
0 helpful votes
July 19th, 2023

Not a single complaint from me. I don't know what these people are even talking about because I have not had a single issue.

Products used:
Tools. Perfume. Toys. Golf gear and equipment. Video game controllers.

Service
Value
Shipping
Quality
Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Steven, thank you for your positive review! We're thrilled to hear that you've had a great experience with our products. We strive to ensure customer satisfaction, and it's encouraging to know that we've met your expectations. If you have any further feedback or need assistance, please don't hesitate to reach out.

Thumbnail of user beverlyn192
1 review
0 helpful votes
May 26th, 2022

Don't forget I have $75. Every time I try to verify my bank account, I don't know what happens. So I hope you keep track of my funds.

Thumbnail of user maril21
1 review
8 helpful votes
May 3rd, 2019

I've been using perpay for over 2 years. I've ordered a sofa, washer and many household items. I even ordered an iPhone, with no hassle. No hidden fees and everything is presented before moving forward on the purchase. I gave 4 stars because their shipping can be extremely expensive on larger items. They do give you more credit with the more you buy. It's a great alternative to credit cards.

Thumbnail of user perpayt
Perpay T. – Perpay Inc. Rep

Hi Mari, we're so happy to have you as one of our valued Perpay members!

If the shipping price for an item ever has you concerned, please reach out to a Customer Success team member via live chat or by emailing hello@perpay.com so we can make sure it's not a mistake! We pride ourselves on providing our users with making budgeting for larger purchases affordable, simple and easy!

Thumbnail of user tonyab94
1 review
7 helpful votes
December 9th, 2019

This is my first time using PerPay, but so far I'm very satisfied. I was able to make a large purchase and they broke it into 8 affordable payments that are routed into my payment account from my paycheck. It's a great idea for people who have bad credit or no credit or even if you don't want to pay outrageous interest on your credit card. You have to follow the directions carefully to set up the payment process, but if your company uses a payroll service like ADP, it's super easy. Just don't forget to stop the payments after you've paid the balance. They shipped my order after the first payment. That's why they need our SSN. What if someone doesn't finish paying for their purchase? Then they have a right to report it to the credit bureau.

Thumbnail of user anthonyb926
1 review
4 helpful votes
October 23rd, 2020

I have been a customer of perpay for 2-3yrs, i had no issue until recently when they dropped my limit from 2800 to 800 because they said my paychecks decreased, i told them that was due to covid, mind you i was only late once since covid and hrs got cut. They did not take that into consideraton, very dissapointed

Thumbnail of user michellec1173
1 review
0 helpful votes
July 8th, 2020

I am very happy with the purchases I have made. It is easy to order once your account has been established.

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Thumbnail of user perpayt
Perpay T.
Usually responds not within the first month

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