My Perpay Review: Is It Worth Using?

If you’ve been looking for an easier way to buy big-ticket items without paying everything upfront, you may have come across Perpay. I decided to dig into how it works, what it really costs, and whether it’s a smart financial option. In this Perpay review, I’m sharing exactly what I learned, based on my own experience and research.

What Is Perpay?

Perpay is a shop-now-pay-later platform that lets you buy brand-name items and pay for them using small automatic payments taken directly from your paycheck. Instead of traditional financing or running your credit, Perpay spreads your payments out based on your pay schedule.

You shop through their marketplace, which includes tons of popular brands, and then repay slowly over time. If you want, you can also enroll in Perpay+ so your payments help build your credit score.

How Perpay Works (From My Experience)

1. I Signed Up and Verified My Income

When I created an account, Perpay asked me to link my employer or payroll provider. This helps them set my spending limit. There was no hard credit check, which makes the platform appealing for anyone with low or limited credit.

2. I Shopped Inside Their Marketplace

Perpay doesn’t work at regular stores; you can only shop in the Perpay marketplace. The selection is surprisingly large, but some items were priced higher than what I’ve seen elsewhere.

3. Payments Came Directly Out of My Paychecks

After my item shipped, Perpay automatically deducted payments from each paycheck. I liked that it matched my pay schedule and I didn’t have to remember due dates.

4. I Used Perpay+ for Credit Building

With Perpay+, my payments were reported to major credit bureaus. This is actually one of the most valuable features because most buy now pay later apps don’t help your credit. Please note there is an additional cost to use Perpay+; it’s $5 per month. 

My Real Purchases Through Perpay

I’ve actually purchased multiple items through Perpay over time, so I’ve seen both the good and the not-so-good sides.

One of my best experiences was with a TV I ordered. It didn’t come from Perpay’s own warehouse at all. It shipped directly from Best Buy, brand new, and arrived quickly.

But not everything was perfect. When I ordered an iPhone, the listing made it sound new, but the phone I received was definitely used. The good news is that when I reached out to Perpay, they handled the issue quickly and replaced it with a new iPhone in a timely manner. 

Overall, my orders have arrived as expected, but there can be variations depending on the product and vendor.

What You Can Buy on Perpay

The marketplace includes:

• Electronics (TVs, laptops, tablets, gaming systems)
• Kitchen appliances and home goods
• Designer bags and shoes
• Furniture and décor
• Baby products
• Clothing and fitness gear

All your purchases must be made through their marketplace.

Pros of Using Perpay (What I Liked)

✔ No Credit Check Required

Sign-up is easy and doesn’t affect your credit score.

✔ Automated Payments

Since the payments come directly from your paycheck, it’s almost impossible to miss one.

✔ Chance to Build Credit

If you enroll in Perpay+, your payment history gets reported and can help boost your credit score over time.

✔ Name-Brand Products

There’s a huge selection of top brands.

✔ Straightforward Payoff Schedule

It’s easy to see how many payments are left.

Cons of Using Perpay (What I Didn’t Love)

✘ Higher-Than-Retail Prices

This is the tradeoff—many items cost more than they would at traditional retailers.

✘ Limited Shopping Options

You can’t use Perpay anywhere else besides their marketplace.

✘ Job Changes Can Complicate Things

Since your payments are tied to your payroll, switching employers can disrupt the process.

✘ Shipping Can Be Slow

Some items take longer to ship depending on stock.

My Experience With Perpay’s Referral Program

One thing I actually liked is that Perpay gives you free credit when you refer friends.

When someone signs up using your referral link and makes their first purchase, you earn credit that you can put toward your next order. The amount can vary, but it’s an easy way to save money if you know others who might try the platform.

It’s basically bonus spending money, and it helped lower the cost of my next purchase. Just make sure your friends understand how Perpay works, especially the paycheck deductions and the sometimes higher prices.

Perpay does have an affiliate program through Impact that also pays for referrals, but the direct referral program pays out more. 

Is Perpay Safe?

Yes. Perpay is a legitimate U.S. company with an A+ Better Business Bureau rating. Your payments are secure, and the company doesn’t require your Social Security number unless you’re enrolling in the credit-building feature.

Still, I recommend comparing prices before checking out.

Who I Think Perpay Works Best For

Perpay can be helpful if:

• You want weekly or bi-weekly paycheck deductions
• You prefer small payments instead of a big upfront cost
• You’re trying to rebuild your credit
• You don’t want a hard credit check

It may not be the best option if:

• You can buy the item cheaper elsewhere
• You shop around for the lowest price
• You switch jobs frequently
• You want to shop at any retailer, not just one marketplace

Tips If You Decide to Use Perpay

Here’s what I’d recommend:

• Always compare prices before buying
• Only use it for necessary items
• Don’t spend your full limit
• Enroll in Perpay+ only if you can guarantee on-time payments
• Take advantage of referral credits if friends are interested

My Final Thoughts: Is Perpay Worth It?

After using Perpay, I think it can be a helpful option, as long as you know what you’re getting into. The payment structure is convenient, the automatic paycheck withdrawals make budgeting easier, and the credit-building feature is valuable.

But the higher prices mean it’s something I’d personally use sparingly and only for items I really need. If you compare prices, stay disciplined, and use features like Perpay+, Perpay can be a useful tool rather than a burden.