Id say go for it just know what you're getting into
To sum it up
4 stars instead of 5 is STRICTLY due to the cost of items and the over charge sometimes to the extreme.
Example. The item you want and just have to have is about $700 in stores. You will pay no less than $1,400 in the app. That's not an exaggeration. That's just the truth.
Shipping is freaking awesome! I'm talking in most cases Amazon prime awesome, and very reliable. Approval process. I cannot speak for everyone as it's decided on individual basis. For me it was quick and I want to say my beginning credit was around $1-$1.5k. It was Christmas of 2023 and I was VERY desperate. In that instance it saved me.
I've been using perpay non stop since December of 2023. I've bought so many things from them that I otherwise wouldn't have been able to have. I would advise all to really think about it because you pay out the A$$ ! A minimum of 2x the normal price. So I limit my purchases only to things I truly either need ASAP or things that I would really like and could not save for.
When you get approved you might start with a lower limit depending on your income and possibly credit I'm not sure about the credit part. Your first few orders until you develop some good payment history will not ship until the initial payment is made. Once you develop good payment history they will near instantly approve and ship your item with no upfront cost.
The way that they get their payment is they have you log into your ADP or payment portal from your employer and set it up to where when you get paid whatever weekly or biweekly amount you've agreed to is sent to them and the remainder of your paycheck is deposited into your checking account. It sounds scary and complicated but it's incredibly easy and I've been with them around a year and a half of CONSISTENT, NON-STOP orders and payments and I've not had one single problem with that or with them.
For Christmas this year i ordered a few drones for my children. Not super top of the line but somewhere in the middle drones with gps and fpv goggles. One of them worked perfectly and the other was defective right out of the box. "Oh sh*t" was what I was thinking because I've not had to return anything and for anyone wondering the only way to contact customer service is either using the chat featur on the app or emailing them. I gotta say that part also really sucks. You end up having to resort to email usually anyway. Like I said that sucks. It's like a day between contacts. But they emailed me a return label and I went to the ups store to have it shipped back. Was super easy and cost me nothing. They got the item back in i believe 2 days and my account was instantly credited. So don't worry about the return process.
Last thing. When you order you have to use their marketplace. They have just about everything on there but you can only use perpay in their own online store or marketplace.
Here's the problem I have with that and I feel could be easily corrected.
I like to research everything I buy or think about buying a good amount before I buy things. Without getting very creative you cannot do that on their marketplace they make it very very complicated. On most listing's they do not list a model number, only their item number for their inventory. So to look the item up you have to screenshot and Google search it praying you find the right one. But all in all I would and do recommend using this service only under certain circumstances or with caution and awareness of how much you will pay for the item or items you would purchase.