# Perpay - Shop and Build Credit — user reviews > 1,348 indexed App Store user reviews of Perpay by Perpay, Inc., rated 4.90/5 from 15,501 ratings. - Source: https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642/reviews - App overview in markdown: https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642.md - Rating breakdown: 5★ 14,809 · 4★ 485 · 3★ 110 · 2★ 18 · 1★ 79 ## What do users think of Perpay? Overall sentiment: neutral **Pros** - 💳 Easy payment setup - 🚀 Fast delivery - 🔍 Wide product selection - 💳 Builds credit - 💳 Convenient automatic payments - 🤝 Good customer service **Cons** - 💰 Overpriced items - 🕰️ Slow shipping and approval process - 🤖 Poor app performance and glitches - 📞 Lack of phone support - 🔁 Difficulty with returns and refunds **Commonly reported bugs** - Incorrect item shipments - Payments not properly applied to accounts - Spending limits not updated accurately **Most requested features** - Faster shipping options - Improved app performance and stability - More affordable pricing - Better customer support channels ## Newest reviews (20 of 1,348) ### 5/5 — You look new style new lifestyle *2026-09-05, version 3.8.3* Really good brand of clothes glasses really anything good price to build your credit can’t wait to get my first product Gucci glasses ### 5/5 — Love it!!!! *2026-09-05, version 3.8.3* Wonderful to help boost your credit and remain responsible! ### 5/5 — New Direct Deposit *2026-09-05, version 3.8.3* I do NOT like the new direct deposit policy! I had to manually go into my pay profile to update my direct deposit for a new order! It was confusing and time consuming, trying to figure out how to update my direct deposit. Can we please go back to updating direct deposit through the Perpay app? ### 5/5 — Great Company *2026-09-04, version 3.8.3* Love it so far. Super ease of access. 4 months in and 5stars. ### 5/5 — Great Credit Card! *2026-09-04, version 3.8.3* I love Perpay credit card they gave me a good amount of credit and provide additional credit limit very frequently. One thing I also love it the automatic payments makes things a lot easier. ### 3/5 — Perpay *2026-09-04, version 3.8.3* I like the it comes out of my check but I didn’t appreciate them not having the product I chose and still requiring the same amount of payment. Charging me for an item what was no longer available. ### 5/5 — New to this *2026-09-04, version 3.8.3* I’m sure I’m gonna love it! ### 5/5 — Great *2026-09-04, version 3.8.3* Had packages stolen before and was never refunded the money even though I made full payments and reported it, till this day I’m owed $1000 ### 3/5 — So far so good *2026-09-04, version 3.8.3* Haven’t had the app for long but it seems to be alright. No budge in my credit but delivery on items is reasonable🌻 ### 5/5 — AMAZING PLATFORM!!!!! *2026-09-03, version 3.8.3* Honestly the best app I’ve came across. Signed up got approved and the rest is history. Not only have I gotten multiple items but my credit has sky rocketed! Thanks Perpay 🙏🏽 ### 5/5 — Great for rebuilding credit *2026-09-02, version 3.8.3* This is a great way to rebuild your credit, and get cool things with installment plans. ### 5/5 — 🥰🥰🥰 *2026-09-01, version 3.8.3* 🥰🥰🥰 ### 5/5 — Easy *2026-09-01, version 3.8.3* To order and to set up direct deposit, can’t wait to get our mattress ### 5/5 — Easy to use *2026-08-31, version 3.8.3* I love how I don’t have to worry about payment dates and how fast I receive my merchandise. Customer service is always great when you need help. They answer promptly and help with your situation if need be. ### 5/5 — BigMONEY!!!! *2026-08-31, version 3.8.3* Ever since I switched to Perpay o seen my credit jump up 98 points and I was finally able to afford a car without them killing me on apr. Perpay the GOAT! ### 5/5 — Great App and Service *2026-08-31, version 3.8.3* This is genuinely one of the best pay later services I’ve used everything is legit and top notch products also very accepting ### 5/5 — Amazingly convenient *2026-08-31, version 3.8.3* I have been using Perpay now for about a year. I have purchased many many items and it comes right out of my paycheck so I don’t have to worry. I’ve bought an apple laptop. I’ve bought Apple minis clothes. Also sorts of things anything you could imagine is on the site for shopping I recommend to everybody. ### 5/5 — Build *2026-08-31, version 3.8.3* Great way to build credit ### 5/5 — Love it *2026-08-31, version 3.8.3* I love this app so much ### 5/5 — Absolutely love this app *2026-08-31, version 3.8.3* Amazing investment ## Most critical reviews (10 lowest-rated) ### 1/5 — Scam *2026-08-28, version 3.8.3* Lies and false advertisement, they dont let u delete the profile. ### 1/5 — It not working *2026-08-27, version 3.8.3* It not working I can’t get in my account ### 1/5 — Horrible business *2026-08-25, version 3.8.3* Company was suppose to refund me 450$ and still have not refunded me 150$ will never recommend this company to anyone ### 1/5 — Terrible Service *2026-08-19, version 3.8.3* They have no customer service. Lost my job so I missed a few payments. Got back on track paying $120/month with zero change in my balance after 3 months. They're literally stealing from me at this point. ### 1/5 — First order I got came with defected items / Interest is added prior to each order *2026-08-17, version 3.8.0* I spent 800 dollars on a Nintendo switch 2 item and it came with codes for subscriptions items to accommodate the switch all of the codes that I got failed to work it’s been almost 3 weeks now on speaking with support and they’ve failed to update me with any new details or accommodations for my inconvenience highly do not recommend using their services ### 1/5 — SCAM *2026-08-16, version 3.8.0* Worst application I tried to use this application to build my credit score and also purchased my father his birthday present. I put in my banking information because it pulls money directly from your account each week. The order is supposed to ship after your first payment after two weeks of no present for my father or anything I reach out and that’s it. The drills were previous models overpriced with high shipping, but said to be delivered within 3 to 5 days I figured setting this up on August 1 knowing my father’s birthday was the 11th gave me two weeks of Paychex for the orders to ship. Now it is the day after my father’s birthday he has no present. The customer service has no idea what is going on and now I have severe concerns of my banking information being compromised. Do not use this application no matter what you think my gut told me no and I was an idiot.UPDATE: received an email telling me to reach out to their customer service email which I already have his name is Franklin and he keeps playing dumb with me telling me he’s elevating the issue to someone who can better address the problem. ### 1/5 — Worst company ever! *2026-08-16, version 3.8.0* Whatever you do do not download this app my friend put me onto this app and I was very excited about using this app because it’ll help manage my money, but when I actually purchased an item which was an Apple Watch, I never received the Apple Watch. The package was empty. I contacted people on the app and I’ve also contacted their email. I still don’t have a resolution and I still have no Apple Watch and it’s almost been a month since I purchased it. I am so upset because now this is coming out of my paycheck until it is all paid off. It’s so hard to get in touch with them overall it’s just ridiculous so this will be my first and last time ever buying something from them the app is actually deleted from my phone ### 1/5 — Scam don’t miss payment. You’ll never get a line of credit from them again even if you pay it back. *2026-08-13, version 3.8.0* This would’ve been a good company to go through, but they scammed you out of a lot of things. They don’t tell you if you miss a payment and end up paying your stuff off you can never get no credit from them no more they don’t tell you that it’s not worth anything to help your credit cause anything can happen anybody can go through a financial downfall, but if a person takes a time and pay off the stuff doesn’t mean a lot and show their credibility but instead to them, you have no reliable credit so you will never be able to order nothing from them no more so my advice to anybody is if anything happen and you fall behind on your payment don’t pay it off cause you’ll never get the credit again to be able to fix your credit so at the end of the day it’s a good company, but it also is a scam ### 1/5 — Skeptical *2026-08-10, version 3.8.0* Was really turned off after I was all setup and then told they couldn’t split my paycheck themselves. Funny cause they had my bank account information and even made test charges. Really rude customer service agent too. I’ll just save up to get a computer. Awful experience. ### 1/5 — not worth it *2026-08-06, version 3.8.0* there are other apps that do the same thing and will not make the returns process a nightmare when the product is faulty ## Most praised reviews (10 highest-rated) ### 5/5 — Amazing *2026-09-09, version 3.8.3* I absolutely love this its been a life saver ### 5/5 — Amazing Credit-Building Experience! *2026-09-09, version 3.8.3* Perpay has been amazing for me! My credit score has improved, and I’m so happy with the progress I’ve made. The Perpay Market is AMAZING, with so many great options to choose from. I’ve also received really good credit limit increases on both my Market and Credit Card. It feels great to see my limits increase while I’m working on improving my credit. I definitely recommend Perpay to anyone looking for a way to build their credit while also having access to great products! ### 5/5 — Reliable *2026-09-09, version 3.8.3* Prepay is really great. Orders are fast shipping is also fast. So I get my merchandise within 3 days when it ships. My credit score went up a little bit. Thank you Perpay. Very happy customer ### 5/5 — Amazing *2026-09-08, version 3.8.3* Love it !! ### 5/5 — Love it *2026-09-08, version 3.8.3* Very useful for buying big ticket items. Received my order less than a week after my first payment was made. Huge selection of products, price is kinda steep on some things but that’s just how it is when you use services like this. ### 5/5 — Nice app *2026-09-07, version 3.8.3* Easy to use and set up ### 5/5 — Love Perpay!! *2026-09-07, version 3.8.3* Start building with Perpay like me!!! You will see the difference on your credit report.. ### 5/5 — Awesome *2026-09-06, version 3.8.3* Great interest rates ### 5/5 — Good *2026-09-06, version 3.8.3* They sent my items out asap ### 5/5 — Love this app *2026-09-06, version 3.8.3* A perfect and painless way to build your credit . You don’t have to do anything but shop, they pay themselves out of your paycheck automatically so you never are late or have to remember to pay another bill, and your credit will score!!! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*