Perpay - Shop and Build Credit

This app is awesome. Selection is limited and the prices are relatively high but thats fair given the structure of making payments on the product. It's taken directly from your direct deposit so it's virtually worry free. They even offer a credit card which is my favorite aspect and really the reason I started using perpay. This all is a must have. Fully recommend at least trying it out. If not fkd the ease of obtaining high prices items, at least you raise your credit score in the process.

I've been a customer with them for 3 years. I loved it it helped my credit however I think they have new people running it. Unwilling to answer questions, won't be flexible anymore, doesn't read what you send them like they use too. Only skim and reply. They say no interest because they sell every item 60$-100$+ more than retail value. I miss the better part of what this app use to be. ONLY GOOD IF YOU NEED CREDIT ITEMS ARE WAY OVER PRICED!!

My credit limit jumped from $1,800 to $75 and my credit score went down 49 points because of this app. DONT USE IT. They kept increasing and than decreasing and would email me about why they haven't received a payment. They didn't receive the payment because I'd have to go back in there and MANUALLY put all my info in everytime they'd increase/decrease the spending limit.