Perpay Reviews

Perpay has an overall rating of 3.4 based on 594 reviews. Customer feedback on Perpay is mixed: Perpay reviewers highlight positive aspects like flexible payment options, no credit check required, easy application process, and user-friendly interface, which strongly appeal to individuals with limited credit history or those seeking alternative financing options. However, Perpay is often criticized for its limited product selection, potential for high overall costs, customer service issues, and payment processing delays.

3.4/5.0

594 reviews

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All Perpay Reviews (594)
Joella.hartford
May 14, 2026
"Support Could Be Faster"
perpay is fine when everything is working the way it should. But the customer service side has been slow in my experience. I reached out about my account and had to wait a few days for a response, and when they finally replied, it didn’t really answer what I was asking. It’s not the worst service I’ve used, but they definitely need to be more responsive
leonardstutzman8256
May 12, 2026
"Totally threw off my budget"
The way the payments were set up really messed with my monthly budget. I had everything planned out, and then suddenly it felt like I was juggling numbers just to make things work. Super frustrating when you’re trying to stay on track and one payment issue throws the whole month off
JimmieVoss_21
April 28, 2026
"Set Up in No Time"
I got it set up fast, which was a relief because I really didn’t feel like wasting time messing around with it. It was quick and easy enough to get going.
judy_Day89
April 24, 2026
"Low spending limit made the signup feel pointless"
I signed up thinking I’d be able to grab a few things I actually needed, but the spending limit they gave me was really small. It wasn’t even enough for most of the items I was looking at, which was disappointing after going through the whole setup. I understand they have to be careful, but when the limit starts that low and takes a while to increase, it kind of defeats the purpose. The payments themselves seemed manageable, so that part wasn’t the issue. Customer service was okay and nobody was rude, but I do feel like they should’ve been much clearer about the limit upfront. an apology for the lack of transparency would be appreciated
samuel1999
April 13, 2026
"Worked fine once my job popped up"
So, yeah, Perpay was easy to use overall. I just had to, like, check first to see if my employer was supported, which took a little bit of time. Once that got sorted out though, everything basically worked fine from there.
NORTON
April 08, 2026
"Clear updates, though I’m still a little unsure"
I had a good experience with Perpay overall. Their communication was clear, and I felt like I knew what was going on most of the time. The emails and messages were easy to follow and didn’t have a bunch of unnecessary info. When I had a question, they got back to me fairly quickly and the answer actually made sense. I’m still a little unsure about the overall quality long term, but so far it’s been smooth.
sally_Sproul83
April 06, 2026
"The order tracking was a bit slow..."
The order tracking was a bit slow to update, and I expected quicker responses on where my package was. It did arrive in the end, so that was fine, but faster tracking updates would’ve made the experience better.
GeraldMyers
March 27, 2026
"Helpful payment setup, but I wish they listened more"
I do like that the payments are split up because it makes things a lot easier for me to manage month to month. The only frustrating part is that I wish the due dates had a little more flexibility. I’ve felt kind of ignored when it comes to that, like the setup works for them but not always for the customer.
Richard_lewin94
March 25, 2026
"Verification Process Felt Unfair"
perpay seemed fine at first, but the whole account verification process got really annoying. I sent them what they asked for, but then I was left waiting without many updates. That just doesn’t feel right when you’re doing your part and trying to use your account. It ended up being frustrating.
william1985
March 16, 2026
"Interest Was Hard to Notice"
Maybe it’s just me, but the interest felt kind of hidden. I wish it had been made a little clearer upfront, because I didn’t really notice it until later. Overall, the experience was okay, but that part left me a bit frustrated.
craig-Howard
March 15, 2026
"Fast approval, mixed feelings on the updates"
I was really happy with how quickly I got approved, it was a big relief. At the same time, I did feel a little frustrated because the updates weren’t always super clear, and I kept wondering what was happening next. Overall, I’m glad it went through fast, I just wish the communication had been a bit smoother.
william1972
March 05, 2026
"Great selection, but the waiting is frustrating"
I was actually surprised by how many options Perpay has. I found electronics, home items, and even some gift ideas without having to search all over the place. It’s nice having different brands in one spot, but I’ll be honest, the waiting part can get frustrating. Still, the selection is better than I expected
terryschoolcraft54
February 21, 2026
"great"

Great Park fest shipping easy to useuse Great value

Marilyn_neumann00
February 15, 2026
"So far it seems alright"
My orders showed up without any issues, so that’s a good sign. I don’t really have enough experience with it yet to say I fully trust it, but based on what I’ve seen so far, it seems okay.
DUNN
January 28, 2026
"I’m still seeing my payments show…"
I’m still seeing my payments show up wrong on the report, and it’s frustrating. You expect the numbers to match and be easy to trust, but right now they just don’t look accurate.
orlando.Pinner
January 12, 2026
"Surprisingly quick, which I honestly didn’t expect"
I was kind of expecting the usual delays or some confusing update process, but my order went through way faster than I thought it would. I placed it and got an update soon after, so I wasn’t left wondering what was going on. Everything moved smoothly, which was a nice surprise because I usually assume something will get held up. Overall, it was simple and easy, and I’d use Perpay again.
HUDSON
December 30, 2025
"The quality is really good. Reading…"
The quality is really good. Reading between the lines, you can tell some actual care went into making it, not just something thrown together. I was pleasantly surprised.
RubenParker
December 27, 2025
"Pretty much what I expected"
I ordered a couple of things from Perpay, and the shipping was about what I figured it would be. One item showed up right on time, but the other took longer than expected and there weren’t many updates along the way. I already had a feeling the tracking might be spotty, so this kind of confirmed that for me. Everything did arrive in good condition, though, so I can’t complain too much. Overall, not awful, just average.
LUCAS
December 23, 2025
"Pretty easy to use, but the freezing gets frustrating"
Overall, the app is easy enough to figure out and I don’t feel lost using it, which I appreciate. But when it freezes, it gets frustrating because it breaks the flow and makes me feel like I can’t fully rely on it. If that got fixed, I’d feel a lot better about using it regularly.
KENNEDY
December 18, 2025
"Quick and Stress-Free Help"
Support got my dispute sorted out really quickly, the whole hassle felt totally avoidable once they stepped in. No headache, just a smooth experience.

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Are your iphones unlocked?

Is the tory burch products real?

Is the mcm belts authentic

I agree why do you our ssn!!!

When i go to checkout i noticed an * at the bottom saying the product will be available after "4 - 8 pays," well 8 "pays" is the sum of the payments.

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