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Perpay

4.7

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/.


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Perpay Reviews Summary

Perpay offers a platform that allows users to access up to $1,000 to spend now and build credit by paying it back automatically each time they get paid. They also offer a credit card with transparent pricing and no crazy fees or predatory interest.

This summary is generated by AI, based on text from customer reviews

service
388
quality
1,196
This company responds to reviews on average within 1 day

We monitor reviews for authenticity

1 review
0 helpful votes
Follow Edgar H.
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This is the app to have right here, just when you thought it couldn't get any better and here we go. I got to say this is proper keep up the good work you guys

Date of experience: June 12, 2026
1 review
0 helpful votes
Follow Marcus L.
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Perpay is the way!
June 12, 2026

Since i first downloaded perpay I was skeptical at first didnt know what to expect but after seeing things I wanted and could have in only 10 payments is extra pleasing and the best part is they work with payroll and take it right out of your check no hassle and straight forward love the way they run business customer for life

Date of experience: June 12, 2026
Missouri
1 review
0 helpful votes
Follow Aleksandr W.
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Easy to navigate just wish they had more options on grills smokers and patio decor as in seating ect. Made first payment today so unsure on shipping yet hopefully it's fast

Date of experience: June 12, 2026
1 review
0 helpful votes
Follow Madeline L.
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Convenient
June 12, 2026

I love perpay have ordered a few times and all is great... better yet I had an issue with one order where product was delivered to a whole different state and perpay helped me and made sure I I received my product. With no hassles

Date of experience: June 11, 2026
1 review
0 helpful votes
Follow Maria P.
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Have done lots of gift shopping without breaking my pocket

Date of experience: June 10, 2026
Alabama
1 review
0 helpful votes
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--
June 10, 2026

----...++++

Date of experience: June 10, 2026
Louisiana
1 review
0 helpful votes
Follow Charmaine A.
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Amazed, now I'm just waiting on my product to arrive and get to ride in my bike and only pay a small amount every paycheck and get to have my product delivered and enjoy it instantly

Date of experience: June 10, 2026
1 review
0 helpful votes
Follow Latasha W.
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Great app
June 8, 2026
Updated review

This is a awesome app. It helps you build credit and there's a lot of items on here. That's good quality that you can purchase. I paid off a few items on here. You get 30 points added to your credit score every time you finish paying up a purchase.

Date of experience: June 8, 2026

Great company
October 21, 2025
Previous review

This site has been very good to me. It's been helping me build up. My credit with my credit is going higher so I enjoy this site. My things are paid on time they work with you. This is a very good site to have.

Date of experience: October 21, 2025
1 review
0 helpful votes
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Like it sk far
June 7, 2026

I've only ambience using prepay for about 2 months maybe and so far its been quite nice I've received the things I've ordered quickly and in great shape. I like the credit score being easily seen on the app I haven't been using the account long enough to notice any increase in my score but I like the fact the the payment comes direct from my pay each week so I don't even have to worry about the payments because I know its being taken care of all In all so far my experience with prepay have been excellent

Date of experience: June 7, 2026
North Carolina
1 review
0 helpful votes
Follow Stacy W.
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I have purchased from Perpay for years now. Always good quality items to chose from.
I received 2 of my purchases the same day and my payments are affordable.

Date of experience: June 6, 2026
1 review
0 helpful votes
Follow Vince C.
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Perpay has been a great experience for me. It helped me get gifts during the holidays when I needed the extra help, and it has also helped me improve my credit score along the way. I've recommended it to a few people, and they've had great experiences with it too. Perpay really makes things easier when other options may not be available, and I appreciate having a service that gives people a chance.

Date of experience: June 6, 2026
TT
1 review
0 helpful votes
Follow Ezhari T.
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Amazing app best one yet
June 5, 2026

I've been using Perpay since 2025 and this is honestly an amazing help. I can get amazing electronic things and decorations and everything without having to spend the money all at once and I have to. It's kind of like you can't see it because it's coming directly out of your is directly going to them so you don't even see that money plus is building credit amazing of my credit score has went up 50 points since I started using her pay and I'm just so excited I'm young and it's helping me build credit stay up with this trend. I love it.

Date of experience: June 4, 2026
New York
1 review
0 helpful votes
Follow Josue L.
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Muy buenas opciones tienes
June 4, 2026

Me encanta lo facil que manejo las cosas que compro

Date of experience: June 4, 2026
1 review
0 helpful votes
Follow William M.
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Build my credit fast!
June 4, 2026

I have had low credit because I basically just didnt have credit. I would always buy things straight out. With Perpay not only am I build credit with ontime payments but I'm saving money on making big purchases. This is a MUST have credit option for those serious about wanting to build credit but live shopping.

Date of experience: June 4, 2026
West Virginia
1 review
0 helpful votes
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Helping fix my credit
June 3, 2026

A friend told, me.about you guys a while back and I needed a laptop, I tried it out not only is it helping my credit but I dont have to work about logging into pay I love it

Date of experience: June 3, 2026
1 review
0 helpful votes
Follow Dannie J.
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Perpay is great!
June 3, 2026

Perpay may be a little higher than purchasing from a physical store, but it's flexible and convenient with nice merchandise. I have no complaints.

Date of experience: June 2, 2026
1 review
0 helpful votes
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I excellent way to save
May 31, 2026

I love how affordable and affordable way it is to order on here. The payment plans are the most dynamic out of any app i've seen and a wide range of retail

Date of experience: May 30, 2026
1 review
0 helpful votes
Follow Leigh Anne P.
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Perpay has been a huge help for me. I really appreciate that payments are automatically taken from my paycheck, and that I'm able to choose a payment amount that works for my budget. It makes the whole process feel simple and manageable, without the stress of keeping track of another bill. Because of Perpay, I've been able to buy important items that would have been difficult to afford all at once, including a car seat and stroller for my best friend's baby. Being able to help her with something that important meant a lot to me.

I've had a really positive experience overall. My only wish is that the ice machines come back in stock soon because they sold out so quickly!

Date of experience: May 30, 2026
1 review
0 helpful votes
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Headache stress free
May 30, 2026

It's being able to obtain something that you need with out the burden of having to come up with the complete payment at the time of purchase

Date of experience: May 30, 2026
1 review
0 helpful votes
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Great experience!
May 30, 2026

The merchandise is great even though the shipping price didn't meet certain criteria. Otherwise, the payment price was affordable. I'm looking forward to purchase more items in the near future 😀

Date of experience: May 30, 2026