PowerPay is a financial technology (fintech) company that offers affordable monthly payments for home improvement and healthcare purchases. It operates as a digital lending platform, providing loans through a network of partners like home improvement contractors and healthcare providers. PowerPay's goal is to make large purchases more affordable for consumers by streamlining the lending process and offering competitive interest rates.
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Is PowerPay legit?
PowerPay (getpowerpay.com) has a 3.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 68% rate it 4 stars or higher while 30% give 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, Price. Last updated 2026-08-11.
What reviewers say
AI generated
Reviewers had a great experience with this company. Customers frequently praise the dedicated staff for being extremely helpful, patient, and professional during every interaction, ensuring people feel completely comfortable throughout the entire financial process. People also appreciate the exceptional customer service, noting that knowledgeable representatives answer questions quickly and guide them smoothly through various account setups.
Some reviewers were not happy with confusing loan terms, unexpectedly high interest rates, and unexpected extra charges applied to their monthly accounts. Consumers additionally mentioned ongoing difficulties with missing billing statements, unclear final balances, and frustrating online payment systems that often required contacting support by phone.
Auto-generated from all reviews of this business. For reference only.
Both Janelle and Ann A. were very helpful. Janelle listened to my concerns and quickly transferred me to the correct department/personnel. Ann A. was very informative in providing the information I required, and took time to carefully address and explain all my questions.
Reply from PowerPay2026-07-21
Hello, we appreciate you taking the time to leave us a 5-star review! It's wonderful to know that Janelle and Ann provided great assistance. If we can assist you with anything further, please feel free to reach out! Have a great day!
Ann A. was courteous and was able to take care of whatever was needed. I had missed a call and returned it. She was able to address the situation and answered my questions about setting up my autopay as well.
Reply from PowerPay2026-07-06
Hello Dana, we thank you for taking the time to give us a 5-star review! Your feedback is very much appreciated and we are so glad Ann was able to assist. If there is anything else we can do for you, please let us know! Have a wonderful day!
Ann A. was very professional and polite in our interaction. Thank you.
Reply from PowerPay2026-07-06
Hello Ruthanne, we appreciate you taking the time to give us a 5-star review! We are so glad Ann was able to assist. If there is anything else we can do for you, please let us know! Have a beautiful day!
Hi Jack, we are so happy to hear Ann was able to assist you! We greatly appreciate you taking the time to write us a review. If you need any further assistance, please feel free to give us a call. Have a great day!
Highly professional, quick and to the point.
Gave clear and accurate instructions.
And was a pleasure to speak with.
Reply from PowerPay2026-06-30
Hello, we thank you for taking the time to give us a 5 star review! Your feedback is very much appreciated. If there is anything else we can do for you, please contact us at 1-(800) 666-8992.
I highly suggest financing your home improvement loan through another company. I paid my loan off before my first payment was due. Their website was very glitchy that day but my account showed it was paid in full. I received an email later that said payment didn’t go through.
Months later I started getting weekly email and phone notifications requesting payment for a $15 insufficient funds notice even though the funds were in place. $15 for their website to not work properly?
There was poor communication through this process.
I realize it’s just $15 but it’s the principal behind poor customer service.
Reply from PowerPay2026-06-30
Hello Dave, we are so sorry to hear your experience was not positive. We aim to provide exceptional service and experiences at PowerPay. To better assist you and so we can discuss your issue further, please contact us at 1-(800) 666-8992. We look forward to speaking with you.
Explained the problem why it was accepted ...dealing with hearing aids from hearing evaluation services of buffalo...resigned and contract accepted..very good. Explained i would get payment notices from ur company
Reply from PowerPay2026-06-30
Hello Edward, we appreciate you taking the time to let us know about your experience! If there’s anything else we can help you with, please let us know.
This company consistently tries to rip my mother off on loan payments she does not owe. This is the second time it has occurred. They prey on old people that do not to know any better and charge them more then they owe on monthly payments. When you try to resolve the issue they route you to a call center in India. This is a dishonest business, Do Not sign into any type of loan agreement with this company. They are predatory and try to take advantage of the elderly with requests for payments they do not owe. I honestly do not know how this company is allowed to continue operating.
Avoid Avoid Avoid.
Reply from PowerPay2026-06-30
Hello James, we apologize for any inconveniences that you may have experienced. At PowerPay, we appreciate all feedback as it allows us to continue to improve our processes. To better assist you and so we can discuss your issue further, please contact us at 1-(800) 666-8992. We look forward to speaking with you.
Ann A was the person I talk to and was very helpful and very professional even when I interrupted her couple tomes
People was nice and professional didn't have to wait on the long and many companies do
Reply from PowerPay2026-05-27
Hello Perry, we are so grateful you took the time to write us a wonderful review! We are so glad to hear Ann was able to help you. At PowerPay we strive for exceptional customer service and are so happy to hear we met your expectations. If you need anything further, please feel free to reach out to us!
It was a pleasant experience talking with Ann A. It was fast and explained well.
Reply from PowerPay2026-05-27
Hi Julius, thank you for taking the time to write us a great review! We are very happy to hear Ann was able to assist you. If you need any further assistance, please don't hesitate to reach out to us. Have a great day!
This company is quite sketchy. I financed a home improvement project with them, paid it off in rather short order. I discovered that they are very lax on reporting to the credit bureaus. I disputed the balance they were reporting and they corrected it and then 2 months later , CHANGED IT BACK!! I paid it off to a zero balance and while their site says as such, they reported a much much larger (nearly the original cost of the project ) amount. Getting any kind of customer service is also an exercise in frustration. I guess I didn't give them the opportunity to collect enough interest off me before paying off the account. 0/10 do not recommend. Financing through Guido/the mob would be less aggravating.
Reply from PowerPay2026-05-29
Hi Kristin, thank you for sharing your experience. Our goal is to make our processes as transparent as possible and apologize for any frustration regarding your credit reporting.
Please keep in mind that while our internal systems update immediately upon payment, updates to the credit bureaus typically follow a monthly reporting cycle and can take 30–60 days to reflect on your credit report. Please contact our support team at [email protected] so we can review your account status and ensure everything is reporting accurately.
Very professional and patient.
Told what was needed and helped me with any questions I had.
Ann A was great!
Reply from PowerPay2026-04-21
Hello Gary, thank you so much for taking the time to write us a 5-star review! We are so happy to hear Ann could answer your questions. If you need anything further, please don't hesitate to reach out to us. Have a great day!
Elder Abuse-Powerpay/Erie Home -Elder Financial Exploitation
After discovering Erie Home had arranged financing through Powerpay for our Grandmother (80 years old) for the total of $88,000 for a 1,400 Square foot roof replacement and two car garage (11% interest) 15 year loan and fully maturing at $181,000 this includes the 10k fee for the loan. We immediately requested a recision of the loan via Power of Attorney( via certified mail, phone and email, within the recision period). We also asked for no more contact to the vulnerable adult and victim... sure enough they are still contacting her and directly as well trying to collect on the loan. Highly suggest proceeding with caution. They did however send me an email stating that I need to contact Erie Home regarding the loan revision. Yet Erie home indicates they are a third party and have nothing to do with the lender/finance portal. Absolute sham!!!
Reply from PowerPay2026-04-21
Hello TJ, we are very sorry to hear your grandmother's experience was not positive. We aim to provide exceptional experiences at PowerPay. We want to speak with you further about your concerns and learn more about the situation. Please give us a call at 1-800-397-4485 at your earliest convenience.
Hi Kathy, we are so happy to hear Ann was able to assist you! We greatly appreciate you taking the time to write us a review. If you need any further assistance, please feel free to give us a call. Have a wonderful day!
We had our roof installed through Erie Home, but the financing was handled by PowerPay — which was not clearly explained upfront.
PowerPay was extremely difficult to deal with. Their online system never worked, forcing me to call every month just to make payments, often with long hold times and dropped calls — and eventually pushing me into setting up automatic payments just to avoid the hassle.
I consistently paid more than required, yet the loan terms remained unclear. When I paid off the balance through my bank (which sent more than the quoted payoff), I was still told I owed additional money.
I paid the final amount under protest just to close the account and avoid any risk to my credit, not because I agreed with the charge.
Very frustrating experience overall. Lack of transparency between Erie Home and PowerPay made this much harder than it should have been. I strongly recommend getting all financing details in writing before agreeing to anything.
Reply from PowerPay2026-04-07
Hello Monica, thank you for bringing your concerns to our attention. We are sorry to hear your experience was not positive. In order to discuss your issue further, a member of our team will be reaching out to you.
No help for Employees who cant get in contact with employer.
Tried to get help to get my t4 and other information after my former employer refused to talk to me. After calling several times i was told they cant do anything to help and I just have to have my former employer help me (which i cant contact).
Reply from PowerPay2026-03-23
Hi Brandon, thanks for reaching out! PowerPay is a financing company, it looks like this review may have been intended for someone else. If there is something we can help you with, feel free to let us know!
Ann A was helpful for helping us get the loan to where i could sign cause i was having trouble.
Reply from PowerPay2026-03-23
Hello Deborah, we thank you for taking the time to give us a 5-star review! Your feedback is very much appreciated and we are so glad Ann was able to assist. If there is anything else we can do for you, please let us know! Have a wonderful day!
Thanks Ann A was a great help and a pleasure to speak with
Reply from PowerPay2026-03-17
Hello Jon, thank you for the kind words! We are happy to hear that Ann A was able to assist. We’re so lucky to have them on the team—thanks for noticing the hard work they put in!
PowerPay was fine up until November 2025. After that, the company simply stopped sending me statements. I understand many companies are moving away from mailed billing to cut costs, but I never received any notice—no letter, no email, nothing—informing me of a change.
I tried calling and was placed on a wait list, but no one ever called back. When I tried again days later, the automated system still said I was in the queue. I also sent emails and never received a response. Fortunately, I was able to log in online and continue making my payments, but even then, my questions went unanswered.
Because of this complete lack of communication and customer service, I have to give PowerPay a rating of 1 star. If zero were an option, that would be more accurate.
— John Bausano
Reply from PowerPay2026-03-06
Hello John, thank you for bringing your concerns to our attention. We are sorry to hear your experience was not positive. At PowerPay, we appreciate all feedback as it allows us to continue to improve. In order to discuss your issue further, a member of our team has reached out to you. We look forward to speaking with you!
My experience with PowerPay today was awesome and I truly enjoyed my conversation with Ann A. She explained everything to me in a manner that was easy to understand.
Reply from PowerPay2026-03-06
Hello John, we thank you for taking the time to give us a 5-star review! Your feedback is very much appreciated and we are so glad Ann was able to assist. If there is anything else we can do for you, please let us know! Have a wonderful day.
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