Leave a Review Perpay
Misleading regardless of compliance
I’ve used Perpay for almost a year now if not longer, I’ve never once missed a payment and my set payments which is directly deposited from my payroll has always been set way over the required amount for direct deposit. I’ve been paying $300 bi weekly without fail with a $2000 credit and 0 balance. I attempted to purchase a phone for the past 2 weeks and initially was told once my payment goes through (still 0 balance) the item will send. Payment went through this morning and still saying I have to wait another 2 weeks for my next pay cycle. When again I have a 0 balance. This is ridiculous, my automatic payments has always been set to $300 and my payment history shows that. They are unwilling to assist me, as I’ve been a compliant customer and continue to provide different information. I would rather deal with any other company, at least you can speak directly to a person. Do not waste your time with this company. They do not care about you, your needs or level of compliance.Show lessKeyly1
Developer Response
Hi there, we're sorry to hear about your recent experience. Providing excellent service is incredibly important to us, and we are constantly working to improve this. Could you please reach out to us directly at hello@perpay.com so we can address your concerns and find a solution? Your satisfaction is our priority, and we appreciate your feedback as it helps us improve.Disappointed
I’m only giving 2 stars because the app was good for a little while..
So I’ve been using this app for over a year. Have made multiple purchases totally about 6-7k. Well I recently tried to purchase a Mac book with my spending power of $1200. Was told it was eligible for active shipping. Went to purchase it and it said it had to be approved.. which was weird because I’ve bought serval things with active shipping, including a TV. But I was like okay, it’s fine. I’ll get approved, I been a good customer, always made my payments. (I pay more than my minimum required) went and looked this morning and it was denied.. not only was it denied but my spending power disappeared.. went from $1,200 to -$163!! I will finish paying what I owe & then I’m DONE! I’ve never been so upset and disgusted by an app. I’ll take my business to finger hut or somewhere else.. not to mention you have to chat via chats & they take FOREVER & a day to respondShow lessgOoBa_21
Developer Response
Hi there, we're sorry to hear about your recent experience. We appreciate your loyalty and are disappointed to hear about the issues you encountered. Please know that we value your feedback and will work to improve our services. Please reach out to our Customer Support Team at hello@perpay.com so we can look further into this situation for you and thank you for bringing this to our attention.Perpay is incredible!
I was obviously skeptical at first, I’d see the ads on Facebook and instagram like everyone else. I’ve had horrible credit for all of my adult life so I was expecting another denial. I was approved for an initial credit line, I made one purchase as a feeler. The best part is that it’s linked to your payroll so as long as you can maintain your employment, you don’t have to worry about missing payments. My credit line increased, I was also approved for a credit card through Perpay that works just like any other credit card. My credit score is jumping quicker than I’m able to notice, and I’m getting more “Approved” messages. I recommend this to anyone who’s struggling to establish or rebuild their creditShow lessanlgkwlnd
Developer Response
Thanks for the awesome review, anlgkwlnd! We're so happy to hear you're loving your Perpay experience, and can't wait to keep working with you. We're always here if you ever need assistance. Feel free to reach out to our Support team at hello@perpay.com if any questions come up!Pretty cool
I actually like the app the only downside of it is that they only have online customer support which can be time consuming honestly just have patience my credit score did go up and I’m on my 3rd or 4th order and already looking for more items I don’t max out on limit so once I’m done paying these two items off I seen a cute purse I’m dying to get I also notice these items are up for grabs very fast they can be here today and gone next I did over pay on an item and I got my money back after a few delays of a response I’ve also had to return an item and was fully aware of the restocking fee maybe be more lenient on that due to the fact it’s only one be picture they show also I’ve missed a payment only a couple days late because my payroll needed updating due to a higher amount being withdrawn from my check and I was able to pay with my card on file so now I’m back on track did get a approve with the credit card hopefully they make the major minor changes but my over all experience isn’t bad credit went up have different things to chose from honestly if people complain about what’s already in written I assume they can’t ready regarding their customer service response not being done in a timely manner well per pay hope I continue to do business with you :) AND FOR THE PEOPLE THINK MY REVIEW IS FAKE IM ACTUALLY REAL LOLShow lessdiamond J$$$$$
Developer Response
Hi there, thank you for your feedback! We appreciate your patience with our online customer support. We're glad to hear that your credit score has improved and that you're enjoying our selection. We'll take your suggestions into consideration for future improvements. We look forward to continuing to serve you!Missed payment accusation
Perpay expects that when you set up a payroll withdrawal that it takes just a week when in fact it takes two pay cycles that includes if you make changes. If you are paying weekly. There are no instructions for new purchases that tell you that you need to arrange to make the payment manually until they feel you’ve missed a payment. The option does not even appear in the app until the payment is not made. They only want you to make the payments from your payroll. Then they increase your limit but because of said missed payment they won’t allow for another purchase until the fist purchase is paid in full. So I will no longer use their services because it’s a scam. When payment structures are normally made monthly there’s is weekly or biweekly depending on your pay cycle and are only reported if the purchase amount is over 200$. To help build credit.Show lessMissed pay date
Developer Response
Hi there, we apologize for any confusion or inconvenience you experienced with our payment process. We appreciate your feedback and will take it into consideration as we work to improve our instructions and app functionality. Thank you for bringing this to our attention. Please reach out to our support team at hello@perpay.com so we can further assist you!WORST CUSTOMER SERVICE EVER!
So I loved using this app when I needed it , paid off our items and everything was fine, me and my husband noticed money was still getting taken out even after it was paid off . So I looked on the app and noticed that they have it to were if you pay an item off and don’t stop the direct deposits it will go into like a savings account and you can either use that balance towards another order or withdraw it and get it sent to your bank, we noticed we had a couple hundred saved and we honestly needed the money so it worked out , we withdrew the money and they said it would take 5 to 7 business days to get in the account ! HAVENT SEEN A DIME SINCE AND ITS BEEN ALMOST 3 WEEKS! I contacted my bank, they told me they didn’t see anything on their end, and I’ve been trying to get ahold of Perpay but got little to no contact ! Mainly crickets! I’m so upset because we really needed the money and it should be this hard! I loved the app but can’t in good conscience give this app any star other then 1 at this pointShow lesshilby123
Developer Response
Hey there! To clarify, we don't have the capacity to take your direct deposit. Rather, your payments are automatically deducted from your paycheck if your Perpay allotment is still active. We don't have the authorization to stop payments at this time. Please email hello@perpay.com referencing this review so that our Support team can help you!5 STAR!!!
I love Perpay, you have to link your direct deposit and they give you a line a credit, the payments automatically come out before your paycheck even goes to your bank. You do have to take your card off Perpay or take the Perpay off of your paycheck by your supervisor/app you use to keep the payments from coming through once it’s paid off, but if by chance they do keep coming through Perpay let’s you withdraw the money to your bank or keep the money on your Perpay to spend as credit. I have bought a brand new PlayStation and a brand new DEWALT weed eater and they both work perfectly and I always received what I ordered. AND it boosts your credit with each payment you made, when I made my first order with the PlayStation, and I finally paid the last payment, it raised my credit 106 points. My jaw dropped. Anyways, Perpay is definitely worth it and I would recommend it to anyone!! Download this app!!Show lessCodiishyannn
Developer Response
Hi Codiishyannn, wow, we are so glad you love Perpay and got to experience the many benefits it offers! We are so pleased that you got to raise your credit score and that you got quality products. We appreciate your recommendation and thank you for choosing us!Perpay Platform
Honestly, when I joined perpay I was skeptical about the platform because some of the items are overpriced. But I learned how to budget and not go beyond a certain amount. Perpay has made a difference for me it has helped me to buy several items that I love all at once. Your account is reviewed ongoingly and they increases your spending limit once you are consistent with your direct deposit payments. I especially love the fact that all payments are direct deposit related so you should never have a issue to keep up and make on time payments. They have also launched a credit card I signed up for it and I was approve. This is a great place to shop, it would be nice to have better type of shoes for women. But other than that I highly recommend.Show lessPrettyQ1
Developer Response
Thanks for the awesome review! We're so happy to hear you're loving your Perpay experience, and can't wait to keep working with you. We're always here if you ever need assistance. Feel free to reach out to our Support team at hello@perpay.com if any questions come up!Could’ve been 5stars
I think it’s a great app very convenient and helpful as well as the credit advantages that comes with making on time payment’s. My only complaint is that if I don’t spend my whole balance at one time I have to wait til my current order is finished before I could order again. I kept getting denied with an explanation of I needed to make a few more payments to get another order approved and after every 3 payments I tried again and kept getting the same message instead of a real explanation. Other than that overal good experienceShow lessDuke jj
Highly recommend
Ive been with perpay for a few months and I only have good things to say. The hardest part of the entire experience is setting up the direct deposit. Once that's done, sit back and relax; The hard part is over. Sure it takes about a week or two from the initial deposit but the items you purchase come super fast and as advertised. Plus, my credit score has increased 29 points simply by my direct deposit payments on the merchandise! I absolutely recommend if you need a trusted platform and a second chance. Give it a try, i did and i love it.Show lessCaasi C
