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.
I was having a problem with my computer trying to sign up for online billing for payment and called Powerpay for assistance on Sunday afternoon.
I was having a problem trying to sign up to pay my invoice online. When I called Powerpay I was amazed to learn they had personnel working on Sunday. I was told an individual would be able to assist me with my problem and would call me back in 5-10 minutes. Within 5 minutes my phone rang and I was introduced to Mary Dy. When we started, she wasn't aware that she was dealing with an 80 year old man who is a little slow working with computers. I figured if my grandson was on the phone this would have been a quick 15 minute call. Working with me on the phone for an hour Mary was great, patient, kind and understanding. I wasn't exactly a former Apple executive on leave. I just wanted this company to know how appreciative I am of dealing with a company that has individuals like Mary representing them. She deserves not only some recognition, but I believe a financial consideration would be warranted! Please tell her Mr. Marcus says thanks and she even knew it was my birthday in a few days! That's an employee I would have loved to have in my company.
Reply from PowerPay2026-02-26
Hello Shel, we are so grateful for your review! It truly warmed our hearts to read about your experience. We are happy to hear that Mary Dy was able to assist you and answer any questions that you had. If you need anything else from us, please feel free to reach out. Have a wonderful day!
These people are awful!! Useless, unhelpful customer service. You wait forever, then they hang up. I have been told they are transferring me to “someone who can help” then the call disconnects. I have requested that anything I pay over the payment due to be applied to the principle. They did that for a few months then reverted back to simply stringing out the due date. Good luck getting them on the phone to dispute this. A month later, they might return your email with some nonsense that does not answer your question.
Reply from PowerPay2026-02-26
Hello Kristin, thank you for bringing your concerns to our attention. At PowerPay, we strive for excellent service and we are sincerely sorry we did not meet your expectations. A member of our team has reached out to you but if you need any additional assistance, please let us know. Have a great day!
High interest rate despite great credit (810+), confusing and drawn out loan process, discrepancies in billing/statements debits and credits: a payment was debited from our account and then did not reflect on our statement. Website interface is not user friendly, requesting multiple logins and not allowing access once finance is complete. Very sketch from beginning to end (2024-2026).
Reply from PowerPay2026-02-26
Hello, we appreciate you giving us your honest feedback as it helps us continue to improve. We are sincerely sorry we did not meet your expectations. We always aim to provide exceptional service and experiences at PowerPay. If you would like to discuss this further, please give us a call at 1-(800) 666-8992.
Ann A. confirmed my information for my bath remodel loan and also answered my questions in a professional and friendly manner.
Reply from PowerPay2026-02-26
Hello, thank you for taking the time to write us a 5-star review! We are so happy to hear Ann was able to assist you. If you need anything else from us, please feel free to reach out. Have a wonderful day!
This company has an F rating with the BBB. They attempted to charge me interest prior to a 12 month interest free period ending. Subsequently they made the first payment due after the end of the 12 month period so that I would incur interest prior to the first payment. No mention of the interest free end date was on any of my statements.
Reply from PowerPay2026-02-26
Hello Alec, thank you for bringing your concerns to our attention. We value all feedback from our community as it helps us refine our services and better support our members. We appreciate you taking the time to write to us.
I had a pool loan serviced by this company, which I paid off on NOV 12, 2025. I made a payment in the amount of $50,421.00, however the amount owed was 49,600.73 therefore I am owed a credit balance refund. I have tried messaging and leaving voicemails and no one is getting back to me. It's been several weeks since the 4-7 weeks I was told initially that I had to wait for this refund to be issued. There is no way to communicate with customer support and the various numbers I have called lead back to the same Unified Messaging.
Reply from PowerPay2026-02-24
Hello Carmen, thank you for bringing your concerns to our attention. At PowerPay, we strive for excellent service so we will continue to improve our processes based on your feedback! It looks like you have been in contact with our team but if you need any additional assistance, please let us know. Have a great day!
An Erie Home representative came to my house after I called them for a leaking roof damaged by a snow storm. When they said that I needed a new roof, I panicked because I did not have the money available to do the work needed. PowerPay came to my rescue at a time of uncertainty. After the representative assited us with a credit application, my husband and I were approved instantly. Ann A. From PowerPay also made sure to follow up with me to confirm my loan terms and my need. She was very professional and made my overall experience a pleasant one. Thank you PowerPay for turning my unfortunate situation into a great story. Ann A., I appreciated your patience and professionalism.
Reply from PowerPay2026-02-10
Hello Natacha, thank you for taking the time to write us a wonderful review! We are so happy to hear Ann was able to assist you and that we were able to assist you getting your new roof. If you need anything else from us, please feel free to reach out. Have a wonderful day!
Anne A. Worked to help me understand the entire process for Powerpay and I was highly satisfied.
Reply from PowerPay2026-01-30
Hello Angela, we greatly appreciate you taking the time to write us a 5-star review! We are so happy to hear that Ann A was able to help you and answer your questions. If you need anything else from us, please give us a call. Have a beautiful day!
We were having trouble understanding WEB Page to Setup account billing.
We were having trouble understanding the web site to setup EFT for our account. Contacted PowerPay help line for assistance. Was the Best thing we did, as Emmanuelle, customer rep, directed us through the entire process of getting everything set up. She stepped us through the entire web site, to get everything set up. Also, stayed on line to verify we could log out, then log back in, and get to all the pages for us to verify and/or change information.
I would hope that all PowerPay employees are as good and helpful as Emmanuelle.
Reply from PowerPay2026-01-27
Hello C. Curry, thank you so much for taking the time to write us a great review! We are so happy to hear Emmanuel was able to assist you. If you need any further assistance, please don't hesitate to give us a call. Have a wonderful day!
The men that greeted me Ryan/Todd were so helpful and courteous that I thought I knew them all my life.I also enjoyed Ann A who called from Powerpay.Thank you all.
Reply from PowerPay2026-01-22
Hello Debra, we are so greatly appreciative you have taken the time to write us a great review! We are happy to hear we met your expectations! If you need anything from us or have any further questions, please don't hesitate to reach out. Thank you and have a wonderful day!
The app loads and immediately closes. No matter what I try it does not fix the issue. So how do I make a payment?
Reply from PowerPay2026-01-20
Hello Vicki, thank you for giving us this feedback as it helps us to continue to improve. Please give us a call at 1-800-397-4485 so that we can further assist you. Have a wonderful day.
Talking with a live person helps. May I suggest that when the screen kicks back with the message of 'need correct data' (or some facsimile), a second sentence should be included, stating "If you have input the correct data, several times, instead of waiting for an agent please call xxxxxxxx."
Turns out Emmanuelle found the problem was my zip/postal code had been incorrectly input from the start, so after I input the incorrect, she was able to make a request to correct the zip/postal code. Problem solved, no more time wasted waiting for a agent/chatbot.
Reply from PowerPay2025-12-23
Hello Bonnie, we would not be able to grow and develop without your feedback! We really appreciate you taking the time to leave us a review and we are happy to hear that Emmanuel was able to assist. If there is anything else we can do for you, please don't hesitate to reach out to us! Wishing you a wonderful day!
Hello Ken, thank you so much for taking the time to write us an amazing review! We are so happy to hear Emmanuel could assist. If you need anything from us, please don't hesitate to reach out to us. Happy holidays!
I spoke with two representatives who were very helpful and friendly. Also, my issue was resolved quickly.
Reply from PowerPay2025-12-11
Hello James, thank you so much for taking the time to write us a 5-star review! Your feedback is very much appreciated. If you need anything else from us, please don't hesitate to give us a call! Thank you and have a beautiful day!
Ann A. was very patient and persistent in making sure I received the information in more than one format including calls, text message and email. Thank you, Helen P.
Reply from PowerPay2025-12-11
Hello Helen, we are so greatly appreciative you have taken the time to write us a great review! If you need anything from us or have any further questions, please don't hesitate to reach out. Thank you and have a wonderful day!
Ann A really made me feel comfortable with this process. I called about my bathroom project that is being financed and she gave me the best information fast and easy to understand. I appreciate her being able to put my mind at ease!
Reply from PowerPay2025-12-11
Hello David, thank you so much for taking the time to write us a wonderful review! Your feedback is very much appreciated. If you need anything else from us, please don't hesitate to give us a call!
No way to put it online to check without the stupid ap, can only help you when you call in by asking when it was purchased or what was loaded, when you buy the cards all the time how are you suppose to keep that information for years in case you need to call in if their is no way to retrieve it? Scam in legal skin. Use to buy at least 1 a month between 100-500 or more for online use, with how useless they have become I will go with Canada Post or Jokers, as this company is the real F***ing joke.
Reply from PowerPay2025-12-11
Hello B,
This review is not related to PowerPay. We are a financing company and do not offer prepaid cards or the services described.
The tech person (Joanna) listened to my questions and then explained parts of the Home Screen and Next Payment display where I had questions. Along the way she explained a question I had about the Open Date and the 12 month/no interest loan that I had. I felt like I understood much better how my loan worked. She was patient and made sure that I understood my "problems". Great
Reply from PowerPay2025-12-08
Hello Steve, we greatly appreciate you taking the time to write us a 5-star review! We are glad Joanna was able to help you and answer your questions. If you need anything else from us, please give us a call. Have a wonderful day!
Patience and clarity and thoughtful communication.
Reply from PowerPay2025-12-05
Hello Lisa, we are so greatly appreciative you have taken the time to write us a great review! If you need anything from us or have any further questions, please don't hesitate to reach out. Thank you and have a great day!
Hi Michael, thank you so much for the wonderful 5-star review! We are so glad we were able to assist you. If you need anything else from us, please feel free to give us a call. Have a great day!
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