Perpay - Shop and Build Credit 4+

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.

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show also I’ve missed a payment only a couple days late because my payroll needed updating due to a higher amount being withdrawn from my check and I was able to pay with my card on file so now I’m back on track did get a approve with the credit card hopefully they make the major minor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 LOL

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!

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.

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!