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.
First I spoke with Ann who was very helpful by asking questions so that she could get me to the right specialist. I was then connected to Margherita who was extremely helpful by explaining the steps that I needed to take to get started. She answered my questions efficiently and with care. I could fee that through the phone. She put my mind at ease about the loan that we were undertaking. Thanks so very much Margherita!!!
Reply from PowerPay2025-07-09
Hi Debra, we are so grateful you have taken the time to write us this 5-star review! We are glad to hear Ann and Margherita were able to help. If you need further assistance, please feel free to give us a call. Have a great day!
Accidentally overpaid 6/5/25 $1600.00 and told it would take 3 months for a refund of over payment!
Accidentally overpaid 6/5/25 $1600.00. just spoke to someone there and was told it would take three months to get my over payment refunded. That is beyond ridiculous.
Reply from PowerPay2025-07-10
Hello Steven, we're truly sorry to hear about your negative experience and that our customer service did not meet your expectations. Providing the highest level of customer service is our number one priority. We were told you have spoken to a member of our team. If you have any further questions regarding the resolution, please give us a call at 1-800-397-4485.
The representative Ann A was very polite and professional
The representative Ann A was very polite and answered my questions promptly. Overall happy with her service.
Reply from PowerPay2025-07-09
Hello James, thank you so much for taking the time to write us a great review! We are so happy to hear Ann was able to assist you and answer your questions. If you need anything else, please feel free to give us a call. Have a wonderful day!
I have issues with them tried to call they say they will call me back and never do they need to explain more about power pay l want to see monthly payments go down not the same amount on each statement l will take them to court if l have to l have a leak they need to come and fix it
Reply from PowerPay2025-07-01
Hi Patricia, we apologize for any inconveniences that you may have experienced. At PowerPay, we appreciate all feedback as it allows us to continue to improve. To better assist you and so we can discuss your issue further, a member of our team will reach out to you.
Dawn was very professional and helpful. Thank you.
Reply from PowerPay2025-07-01
Hello N Carr, we would not be able to grow and develop without your feedback! We really appreciate you taking the time to leave us a review. If there is anything else we can do for you, please feel free to let us know! Have a great day.
Hello William, we truly appreciate you taking the time to write us a 5-star review! We are glad Ann was able to assist. If you need any further assistance, please reach out to us. Have a wonderful day!
A Responsive Employee Saves Time and Stress
I report this rating because I have trouble with understanding people who speak rapidly. I often ask people to speak a little slower, explaining that my age makes it hard for me to communicate over the phone. I was speaking with Ana A. and she immediately slowed her speech. This seems a simple thing, but I can't tell you how many times my request is ignored. I thanked her for being so responsive. She seems to be a lovely person.
Reply from PowerPay2025-05-29
Hello Mary, we are so grateful for this feedback as it helps us to grow! Thank you so much for the wonderful review. If you need further assistance or have any other questions, please give us a call. Have a great day!
Mea was excellent at helping me get my signed document signed and walking me through next steps of getting payments set up on App. Thank you for your help
Reply from PowerPay2025-05-29
Hi Tammi, thank you very much for writing us a wonderful review! We are glad to hear Mea could help you. If you need any further assistance, please let us know. Have a great day!
Dawn was very helpful and listened well to the situation at hand. She set me at ease and documented the update status of our project. Thankful for good customer service!
Reply from PowerPay2025-05-29
Hi Amy, we are so happy to hear Dawn was able to assist you. Thank you so much for taking the time to write us a great review! If you need anything further, please give us a call. Have a great day.
Hi 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. If there is anything else we can do for you, please feel free to let us know!
I called in for an update on my application, and Ann A. was very courteous and knowledgeable and willing to answer all my questions. I was impressed with the service she provided!
Reply from PowerPay2025-05-12
Hi Dan, thank you very much for taking the time to write us a great 5-star review! We are so happy to hear Ann was able to assist you and answer your questions. If you need further assistance, please give us a call. Have a great day!
Hello, Today 5/8/25 I spoke to 6+ people to lend me a hand to get my loan papers filled out. I like to ask questions if I am not sure of something. I appreciate everyone's assistance. It is nice to work with kind, patient people who can relate to computer issues or challenges. I had one call that had a bad connection. The rep was probably as frustrated as I was. I got the application completed and submitted. Thank you.
Reply from PowerPay2025-05-09
Hello Sally, thank you for taking the time to provide your feedback as it helps us continue to improve. We are happy to hear you were able to complete the application! If you need additional assistance, please feel free to give us a call. Have a wonderful day!
Hello Steven, we are so grateful you took the time to write us a great review! We truly appreciate the feedback. If you need any further assistance, please reach out to us. Have a wonderful day!
Everything went smoothly, phone call, contact receive in timely manner and address change quick.
Reply from PowerPay2025-05-02
Hello William and Diana, we would not be able to grow and develop without your feedback! We really appreciate you taking the time to leave us a review. If there is anything else we can do for you, please feel free to let us know!
Hello Kent, 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 let us know! Have a wonderful day.
Talking to the individual that helped me, was very patient with me as I waded through all of the loan application questions. She was very knowledgeable about the process. Vey kind and considerate.
Reply from PowerPay2025-05-01
Hello M. Brown, thank you so much for the great review! We are glad to hear our client service rep was able to answer your questions. If you need further assistance, feel free to reach out to us. Have a great day!
Consultants were very knowledgeable and willing to listen to my questions and past experiences with another creditor. The process was explained to me so I wouldn't be in the dark about my upcoming charges. There was no wait time to speak to a consultant which was a big plus!
Reply from PowerPay2025-05-01
We are so happy to hear the process is going smoothly for you, Gina! Thank you for taking the time to give us this positive feedback. If any questions come up, don't hesitate to reach out! Have a wonderful day.
Their credit checks don’t affect your score because they do not use the 3 traditional credit bureaus. They will tell you your score is lower than it actually is and charge you outrageous interest. Think twice and try your own bank first.
Reply from PowerPay2025-05-01
Hello Marie, PowerPay uses recognized credit reporting agencies, and all credit checks and financing terms are disclosed before acceptance. If you would like to discuss this with us further, please give us a call at 1-800-397-4485. Have a wonderful day.
Joanna and Heather were personable, knowledgeable and extremely helpful. These two employees are definitely an asset to your organization.
Reply from PowerPay2025-04-22
Hi Lori, we greatly appreciate you taking the time to write us a wonderful review! We are so glad to hear Joana and Heather were able to assist you. If there is anything else you need from us, please don't hesitate to give us a call. Have a great day!
In working with Dawn Stevenson, I was able to resolve the Fraud issue on my credit agency, which was stopping financing of my hearing aids.
Reply from PowerPay2025-04-22
Hello Wayne, thank you so much for taking the time to write us a review! We are so happy to heard Dawn was able to assist you. If you need any further assistance, please feel free to reach out. Have a great day!
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