Check out our latest communities fighting
AI scams on Reddit and Facebook

business logo of Perpay

Perpay

4.6

On SmartCustomer, businesses may not offer incentives or pay to remove reviews. Learn more about our Review Guidelines.

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/.


+95
See all photos
How would you rate Perpay?
grey stargrey stargrey stargrey stargrey star

Perpay Reviews Summary

Perpay has a rating of 4.6 stars from 2,489 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Perpay most frequently mention customer service, credit score and direct deposit. Perpay ranks 7th among Discount Shopping sites.

service
389
quality
1,199
This company responds to reviews on average within 3 days

We monitor reviews for authenticity

1 review
0 helpful votes
Follow O S.
Unfollow O S.
Share Review
Report Review

Helps build credit while you enjoy
March 27, 2026

Love that it helps your credit while you get to have items and they raise the limits pretty often only downside is items are little over priced but dont mind if i can make payments

Date of experience: March 27, 2026
1 review
0 helpful votes
Follow Tami B.
Unfollow Tami B.
Share Review
Report Review

Happy Cardholder
March 27, 2026

I wanted to improve my credit score and found an offer from Perpay in my email. I figured I had nothing to lose, so I decided to try it. The payroll deduction for payments has made the process easy and helped increase my score.

Date of experience: March 27, 2026
1 review
0 helpful votes
Follow Billy K.
Unfollow Billy K.
Share Review
Report Review

I have never been able to buy now and pay later and improve my credit in real time. Plus the bonus getting a card for doing it.
The best experience for credit cards I've ever had.

Date of experience: March 27, 2026
1 review
0 helpful votes
Follow Shanikka B.
Unfollow Shanikka B.
Share Review
Report Review

My easy orders
March 26, 2026

The service was good the shipping was on time and the merchandise was just great

Date of experience: March 26, 2026
1 review
0 helpful votes
Follow Leydi P.
Unfollow Leydi P.
Share Review
Report Review

Buena
March 26, 2026

Muy feliz por tener sus servicios. Bendiciones.

Date of experience: March 26, 2026
1 review
0 helpful votes
Follow Wanda E.
Unfollow Wanda E.
Share Review
Report Review

Best online shopping Experience
March 25, 2026

Shop for great products while building my credit + payments are electronically processed through my employer. I have no complaints.

Date of experience: March 25, 2026
Maryland
1 review
0 helpful votes
Follow John L.
Unfollow John L.
Share Review
Report Review

Per-Pay has helped me with my credit score immensely, which I needed. Just in the last year my credit score has increased by more than 50 points. Any time I have had questions about a balance or about an item being in stock, they have been quick to respond if I wasn't able to get the answers needed from the online bot. Over all great customer service which seems to be rare these days. Some of the prices of items can be a bit more expensive, but I look at it as I am paying for the convenience and there's also no interest, so it evens out. Been using for a year now and will continue to use for the foreseeable future.

Date of experience: March 25, 2026
Alabama
1 review
0 helpful votes
Follow Tejuana D.
Unfollow Tejuana D.
Share Review
Report Review

Perpay is the way!
March 25, 2026

Perpay is easy and make big ticket items affordable. My family has been able to enjoy multiple products because of Perpay. Ships quickly with timely deliveries. Thank you!

Date of experience: March 24, 2026
1 review
0 helpful votes
Follow Paula S.
Unfollow Paula S.
Share Review
Report Review

Product
March 24, 2026

I really appreciate my product. But I never received a perpay card. My account is being paid for so I dont understand why I dont have a card. And my account is direct deposit but I haven't still got a card. Can yall please fix it were I can have a card?

Date of experience: March 24, 2026
1 review
0 helpful votes
Follow Antoine M.
Unfollow Antoine M.
Share Review
Report Review

Easy and simple
March 21, 2026

Easy to monitor, quick log in, I love that it shows all the payments im making on time. And love the verity of items to shop.

Date of experience: March 21, 2026
1 review
0 helpful votes
Follow Monique W.
Unfollow Monique W.
Share Review
Report Review

Help build my credit
March 21, 2026

The money comes right out my check and my credit is getting better

Date of experience: March 21, 2026
Arkansas
1 review
0 helpful votes
Follow Robyn K.
Unfollow Robyn K.
Share Review
Report Review

I love Perpay! 1
March 19, 2026

Everything is delivered in a timely manner. The product is good quality.

Date of experience: March 19, 2026
1 review
0 helpful votes
Follow Damon R.
Unfollow Damon R.
Share Review
Report Review

Easy peasy
March 19, 2026

Easy way to get big ticket items today and pay for them tomorrow. I'm hoping i get approved for $1000 card. Ive successfully paid off a few orders and got my limit increased but still no card offer. Person i referred got it

Date of experience: March 19, 2026
Colorado
1 review
0 helpful votes
Follow Laurence M.
Unfollow Laurence M.
Share Review
Report Review

Perpay is the new wave.
March 18, 2026

Perpay is a great app for everyday shopping because it makes it easy to access high-quality products without stressing your budget. Whether you're looking for stylish clothes, the latest electronics, fresh sneakers, bikes, or useful kitchen gadgets, Perpay offers a wide variety of items that fit into your daily lifestyle. What really sets it apart is its simple payment system, allowing you to pay over time in manageable amounts instead of all at once. This makes it perfect for people who want to upgrade their essentials or treat themselves while staying financially responsible. Overall, Perpay combines convenience, flexibility, and a diverse product selection, making it a smart choice for everyday needs.

Date of experience: March 18, 2026
Washington
1 review
0 helpful votes
Follow Stephanie O.
Unfollow Stephanie O.
Share Review
Report Review

I am a single mom and having the money on hand for larger cost purchases is rarely an option for me. I have been able to get gaming systems and more to be able to make Christmases and birthdays special for my son. I am so grateful that I found Perpay and even have coworkers using it too!

Date of experience: March 17, 2026
Texas
1 review
0 helpful votes
Follow Phaedra N.
Unfollow Phaedra N.
Share Review
Report Review

Shopping without worry
March 16, 2026

There are so many wonderful name brand items to choose from. The prices are so reasonably affordable, the method of payment is worry free and the shipping is effortless.

Date of experience: March 16, 2026
1 review
0 helpful votes
Follow Wil S.
Unfollow Wil S.
Share Review
Report Review

Amazing platform and service.
March 16, 2026

I've been using perpay for over a year and have gotten many nice things and increased my credit score a lot. It's super easy especially because of the direct deposit process. I will continue to use perpay.

Date of experience: March 16, 2026
1 review
0 helpful votes
Follow Lisa W.
Unfollow Lisa W.
Share Review
Report Review

I had a hard time getting my job to accept but now I am in and I am loving it already

Date of experience: March 15, 2026
1 review
0 helpful votes
Follow Alfred T.
Unfollow Alfred T.
Share Review
Report Review

Perpay saved my Christmas
March 15, 2026

I was short on cash around the holiday season and was glad that I was able to get my girlfriend a couple items using Perpay. I am near the end of paying off the items and having the payments come directly out of my pay made it easy and convenient.

Date of experience: March 14, 2026
1 review
0 helpful votes
Follow Steve B.
Unfollow Steve B.
Share Review
Report Review

Perpay Review
March 13, 2026

I started with Perpay about 6 months ago. I like how the payments are drafted from my paycheck, I never notice the money gone. I've already seen a credit limit increase of $100 in the last 6 months and hope to see larger increases in the near future. Perpay reports to the three (3) major credit bureaus every month and so far the information has been accurate.

Date of experience: March 13, 2026