Perpay - Shop and Build Credit

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.

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I really like this app as far as purchasing and paying over time right out of my check. But the company lacks in customer support. I have perfect payment history and have been a customer for about a year or so and always pay on time and even had my credit line increased over $2600. But the company really lacks in customer support. I had an issue were I purchased a laptop, an expensive one at that and it ended up being a defective item. I contact support, which by the way are only available through chat, and it took them 3 days to get back to me. I understand that it can be a little hectic during the holiday season, but 3 days for a response is a little excessive. Not only did I wait that long, I had to pay $10 for the return plus a 5% restocking fee!!! Bizarre that I have to pay that for something that wasn’t working correctly. This laptop cost me over $1,300 so $75 in fees for a messed up laptop!!!!! I was so upset. Like I said I like the concept of this company and the ability to pay for things over time, but a paying, active customer should have a break once in a while, especially for me returning a bad product. Oh and prices are full price plus more! That laptop in store is $999, expect to pay way over regular price. Probably going to stop using soon, I’m just disappointed.

So I came across Perpay via Facebook advertising just scrolling my feed. To be honest I was pretty skeptical on how it would work out (in theory is sounded cool at least) but execution seems to never work for these types of services. I am happy to report after a little frustration/work getting the direct deposit bit completed + waiting for the next pay period to roll around my orders shipped out like clockwork. I’ve paid off 2 orders so far, placed another 3, and it’s all worked so well. Lots of stuff to pick from for gifts without having to drop fat cash up front, and I just spoiled myself with AirPods because multiple orders doesn’t mean your amount goes up you just pay the same amount for a longer period (easier on my budget because I just don’t see it). All in all very very satisfied/relieved, and they give you fair ways to increase your $$$ amount just follow the rules!

I love, love LOVE having the option to purchase things on perpay! It comes right out of my paycheck and with the payments broken down into an optional number of payments, I don’t even notice the money missing. Did I mention INTEREST FREE! Something to consider if you notice a price tag higher here and there. Especially for those who find it hard to keep up with due dates (me). I’ve noticed the product selection growing also!! I have purchased my Apple Watch, iPad Pro and pencil, and a MacBook Pro, among other things down to my favorite Dolce and Gabbana perfume!! Everything in perfect condition!! My credit is less than perfect and Perpay has been my saving grace for those expensive items I want but don’t want to fork out a chunk of money at once!!! Thank you!!!!!!!!

I’ve just gotten the app, overall it’s not a bad app but you need to have patience. As soon as you sign up it’s going to ask for all of your information. You can browse through items as if your going to be able to make a purchase just to find out that you need to upload a paystub before purchasing. After your paystub is uploaded, it’ll make you wait for approval from 1 - 3 business days before you can find out if you’re able to make the purchase. Although it does not check your credit score, nor does it require a lot of nonsense to be able to purchase. All they ask for is proof of income and a little information about you and your good to go. Overall it’s a great app. If you work everyday and don’t have time or money to buy the finer things in life, this app is for you! Can’t wait to see what the future has in store for me to buy.