Perpay レビュー 3,586

Good products not to much extra then at retail stores which is a major plus.Thank you

I ordered an iPad through their platform and they immediately started taking payments directly from my paycheck. However, I never received the item. Tracking later showed that the package was returned to the sender, meaning I never got what I paid for.

After reaching out multiple times, their customer service ignored me for days. When they finally responded, they told me I would not be receiving the iPad and would not be getting a refund. Instead, they said the money I already paid would be applied to a completely different product (a TV) — something I never agreed to.

This is unacceptable. I paid for one product, never received it, and now they are refusing to refund me while using my money for something else without my permission.

What makes this worse is that they take money directly from your paycheck, which gives you very little control once something goes wrong.

Based on my experience:
• Customer service is extremely slow or unresponsive
• Refunds are difficult or denied even when items aren’t delivered
• Payments continue even when there is an issue
• They may reallocate your money without your consent

I am now forced to file complaints just to try to get my money back.

I would strongly advise anyone to be cautious using Perpay, especially since they require direct payroll deductions.

I had a terrible experience with Perpay that I feel obligated to warn others about.

I ordered a PS5 through their platform, and the package was marked as “delivered” by FedEx—but it was never actually received. I immediately checked my property and surrounding area, and there was nothing there. Even the delivery photo provided by the driver does not clearly prove it was delivered to my correct address.

I contacted Perpay the same day, expecting support. Instead, I was told to “wait another day” in case it showed up. I followed their instructions. It never did.

Then I was told to file a police report and submit proof. I did exactly that. I filed a report with the City of Minneapolis, provided all details, and was even contacted by a police officer to confirm the case. I submitted the report to Perpay as requested.

That’s when things took a turn for the worse.

Perpay began giving me conflicting information, at one point even claiming I hadn’t submitted the report—despite the fact that I had already sent it. To remove any doubt, I resent the report multiple times.

Now they are refusing to help entirely, claiming I am fully liable for the missing package simply because the police report is “temporary” or “pending”—something completely outside of my control.

Let me be clear: I followed every single step they required, immediately and in good faith. I reported the issue promptly, cooperated fully, and provided documentation. Yet I am being held responsible for a product I never received.

This is unacceptable.

Customers should not be forced to absorb the loss of undelivered items while the company avoids accountability. I will be filing formal complaints with the Better Business Bureau (BBB), Consumer Financial Protection Bureau (CFPB), and the Office of the Attorney General.

If you’re considering using Perpay, be aware: if something goes wrong with your order, you may be left completely on your own.

Amazing and reliable

Great first helping credit

Has been a true blessing to me and my husband 🙏🏾 Thank you !

The products and credit were there when I needed it. Thanks

Always when i need it

Perpay allows me to purchase big ticket items within the comforts of my home and I never have to think about it. It was even easy to replace my laptop when it was damaged in shipping! I highly recommend this option to purchase larger ticket items.

The quality of the product.

Perpay is awesome and very convenient especially if there is an urgent need for items and you’re short on cash, just set up a payment plan and forget about it.. THANKS PERPAY 🥰

I mess with Perpay the long way I just got a Switch 2 Mario kart world bundle with all he accessories and whatnot
I couldn’t be any more happier I’ve paid off my first order,built my credit up 24 points Ang am the proud owner beautiful Burberry bucket hat

Easy. Good products. Reasonable terms.

Great service

Every time I use my card I don't have a issues using it and I am proud that I am one of the cardholder. I look forward to making on time payment so that I can still be using it on purchases that I really need. Thank you for all that you do for me.

Dexter Peter Apatang

Company sends good working products

I’ve been having a really great experience with Perpay so far. What I love the most is how much it’s actually helping me build my credit while still letting me shop for things I need. The payment structure is clear, manageable, and fits well with my budget, which makes it stress-free to stay on track.

I also appreciate how transparent everything is, there are no surprises, and I always know exactly what I owe and when. It feels like the company genuinely wants to help people improve their financial situation, not just make a profit.

Overall, Perpay is doing an amazing job making credit-building more accessible and simple. I’m really happy with my experience and would definitely recommend it to anyone looking to improve their credit in a responsible way.

Convenient, affordable, and great customer service!

Excellent marketing