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also I’ve missed a payment only a couple days late because my payroll needed updating due to a higher amount being withdrawn from my check and I was able to pay with my card on file so now I’m back on track did get a approve with the credit card hopefully they make the major minor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

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.

I have been trying to utilize Perpay for about a year and once I finally received a response back from tech-support to delete an old phone number that I had attached to a tentative account, I was finally able to make my Perpay account complete. For whatever reason I certainly was not given near the thousand dollars that they tell you you’ll get, I was given 500. I was approved immediately for the credit card and even though I may have a $500 limit, there is zero indication as to how you increase your limit. Obviously on time payments and adequate utilization of the credit card and marketplace balance, except for one particular thing stated when choosing the amount to have directly deposited from your paycheck. It stated for me that the minimum was $75 a paycheck however it stated that it recommended I deposit $100 instead because it would help increase my credit limit at a faster rate… exactly what does that mean besides the ominous-obvious? Seems to me like it just may be a ploy to get more guaranteed cash deposits into the Perpay system, but I would love it, broken down into a black or white answer.Hopefully moving forward, I will see increases and find that this was all for good favor.

A month ago I would have probably rated them higher so if it wasn’t for a policy change they enacted without prior notice, they would rate higher on my part. I enjoy the service and I have been a customer for a while so there are certain benefits you receive while being a consistently well paying customer in good standing, like not having to wait for your first payment to post before they will ship your item, as long as you have an open order that’s in good standing. Well after this virus outbreak they withdrew that policy, requiring every order to have one posted payment prior to shipment, which will leave you close to a month out from receiving your item, depending on when you purchased them. My car was broken into and items stolen right in front of my house so I purchased security lights and cameras to protect my home. So here I am, waiting for my payment to post just so my item can ship, while my home is vulnerable. Had I known this prior to ordering, I would have purchased the items elsewhere. Had they just let their customers know of the policy change, I could have avoided the delay.