I have been a customer of Perpay for 3 years now! They really do make it possible to afford big ticket items if you don't have or want to pay the full price upfront. They do charge a little more for their items but in all reality, the little bit extra they charge is still cheaper than the interest rate on my credit cards! I use them every Christmas for my 4 kids gifts and none of us have been dissatisfied so far! The best part is, is that you don't have to have impeccable credit to get approved, Just a source of verifiable income and your good to go! Thank you Perpay for making my kids and now granddaughter's Christmases extra special 👐👐