Leave a Review Perpay
Not like other apps that offer the same service
The ap itself is ok but the service isn’t great. Most of these apps allow you to shop at stores you choose with merchandise you want to have. This ap offers older and out of date merchandise the Clarisonic Mia 3 was available and that is off the market everywhere else and replacement heads are available but they want full price. I looked at the other offerings you can buy and they are out of date and no longer available through their manufacturers and for a high price. Yeah you can finance them but it isn’t worth it with the items being offered. Other apps like klarna and Afterpay offer the same service with no credit check but you get to choose what retailers you make purchases from so that you can take advantage of sales and lower your total cost. I wouldn’t want to buy the items offered here let alone at the price they are offered for. Also returns are horrible they charge a percentage of the total price for restocking and other fees for the return so if you buy something you don’t like your still stuck paying for a percentage of the item plus a fee. Ripping people off isn’t a good way to get business.Show lesskay kay kit kat 1234
Disappointed
I’ve bought several things from Perpay and all of my orders have been a breeze until my recent purchase, the Apple Macbook. It has been 3 weeks since my order that I’ve made payments on and I still haven’t received a tracking number. I usually receive my orders in a week and a half MAX but usually arrives within a week. The current status states that it’s preparing to ship. I’ve reached out to customer service who tells me that it’s due to COVID. I bought 3 items in June and had no problems receiving them in a timely manner. This laptop is for my small business. I am just deeply disappointed. I’ve asked if they can just tell me when the item should arrive to my home, they told me that their shipping partner said it shipped on 9/11 but that they’re still waiting on tracking information.Show lessCmgsrgpsgmeg
This is the best
I love this website the best way to build credit and get some really nice things with paying the full price upfront. I love the way it have you set up the direct deposit with your job so you don’t have to worry about the money getting there late. I like to stick to a small dollar $$ amount to budget my spending. That way I don’t go over my credit limit. I just wish it was a way to report it to the credit bureaus. I would definitely recommend this website.Show lessnoyze312
Scammers
I wish I can give zero stars, I purchased a chest freezer and they received my first payment 2 weeks later still no tracking and then they received my second payment contact them and get the run around because they don’t have a way to talk to someone on the phone and the chat bots just give you automated answers. Week 3 I get a tracking number but no movement I guess to stop me from asking questions. Now it’s week 6 and third payment and no product and no tracking movement and customer bots don’t have a answer. So I said I want my money back and the scammers tell me that they can’t guarantee a cancellation after first payment. Excuse me!! I’m not someone who just decided I don’t want it because I got it and change my mind. I was paying with the expectation of getting what I’m buy right away. STAY FAR AWAY!!!Show lessI WANT MY MONEY-per
Interesting Concept
App is a fidgety and a bit awkward to navigate. I had to hit the search bar in several different places to finally get the keyboard to pop up to type. Easy sign up process and approval. They ended up adding an extra $350 to my approval amount once they got my pay stub. The payment process is....different. Payments come straight out of your paycheck (NOT your bank account). They give you an account/routing number as another direct deposit to setup with your employer. Your items won’t ship until they get the first payment from your paycheck on payday. So if you place an order on your payday then you’ll have to wait until your next paycheck for the order to complete (and another 3-5 days to receive the item). That’s up to 3 weeks for delivery (for biweekly paid folks) from the time you are wanting to place an order. In a world with next day delivery this isn’t very competitive. However if you are on a tight budget, can wait a bit and like payment plans at 0% interest then this is for you! I used it to buy some nice sunglasses that I don’t need right away.Show lessCW24793
Developer Response
Thanks for your review, CW24793! We’re very sorry to hear that you were having an issue with the search bar. We’d love to make sure you’re no longer experiencing this while using our app. Please email hello@perpay.com directly with "CW24793" in the subject line so our Support Team can troubleshoot & resolve this for you as soon as possible. Thanks!Policies change without notice!
A month ago I would have probably rated them higher so if it wasn’t for a policy change they enacted without prior notice, they would rate higher on my part. I enjoy the service and I have been a customer for a while so there are certain benefits you receive while being a consistently well paying customer in good standing, like not having to wait for your first payment to post before they will ship your item, as long as you have an open order that’s in good standing. Well after this virus outbreak they withdrew that policy, requiring every order to have one posted payment prior to shipment, which will leave you close to a month out from receiving your item, depending on when you purchased them. My car was broken into and items stolen right in front of my house so I purchased security lights and cameras to protect my home. So here I am, waiting for my payment to post just so my item can ship, while my home is vulnerable. Had I known this prior to ordering, I would have purchased the items elsewhere. Had they just let their customers know of the policy change, I could have avoided the delay.Show lessPunCrocs_805
All The Time it Takes
I love the concept and was excited to make my first purchase. In order to see if and how it works I got a simple mattress cover for $26 a pay check. I go through the steps of registering a bank account, then wait two weeks for the first payment to hit the account. Finally $26 in the account and I’m ready to arrange delivery. I get an email sorry your items is no longer in stock. So I ask is there in item similar that is in stock? Basically got the answer “I don’t know go look.” So I find another item and proceed to check out a day or so later. Now I have to verify with a pay stub? I just got approved for item you don’t have. Why do I have to verify my pay stub like I’m buying something brand new? It’s a great concept, but this is becoming more trouble than it’s worth. If this is how it’s going to be every time I try to order something; NO THANKS!Show lessD.J. H
Developer Response
Hi D.J H, We're so sorry for any disappointment or confusion. It is our priority that you have a great Perpay experience. We're sorry that your item went out of stock, our Team made sure to credit your account and your initial payment will be applied to your next order. Please know that we do require an updated pay stub, once the one on file is outdated. A team member has followed up directly to help make sure we can get your account updated and a new order underway!Great Company
I have been using Perpay for over a year now and I’m really glad I found it! With out it, I wouldn’t have some music equipment that I desperately needed!
Getting approved was very easy and payments are the easiest part. It gets taken directly out of your check so I have never had to deal with any late payments... building your credit with this is also super easy, I started with about $500 and after my first balance was half way paid through it was raised to $800. Now after a year of using perpay my balance is in 1000’sShow lessNellaUsagi
Convenient
Perpay is, bottom line, the best place to shop for your big purchases! Whether it’s Christmas presents, furniture, appliances, or even a new vacuum cleaner! I love how the payment is taken straight from your paycheck so you don’t even notice the money missing! It takes time to build your spending limit and amount of pays, but it pays off! Start with small purchases, increase your spending limit, and before you know it you’ve got a great spending limit and cheaper payments!Show lessPrbhmb33
Awesome. Affordable. So Convenient
Basically they give you a line of credit based on your direct deposit and bank info to use for all sorts of things. Men’s and women’s, home and office, electronics, musical equipment, tires, baby gear, and whatever else you could possibly be looking for are available to shop. Then you change your direct deposit info to reflect pay being taken out of your check for only the specific amount you are going to pay each week for the item(s). Go to work. Bam. You’re done. Every week you’ll be making a payment and you don’t even see it leave. Items ship quickly (with the exception of my drum set I ordered before Christmas. I think I got lost in the shuffle around Christmas time.) Everything comes in factory packaging brand new and haven’t had a single issue ordering everything from microphones, recording equipment, AirPods, a Pearl drum set, and I’m about to get a drone. As you make “pays” that money goes straight back into your available credit so you can order more. Great service. Good support.Show lessTheVeryHungCaterpillar
