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 had the worst experience with power pay. I had spoke to two women on two separate occasions. The first I asked for my pay off amount so I could pay my loan in full before my first payment was due. This was the plan from the beginning which I explained. I verified the amount by email and phone call. Yet a month later I get another bill for interest after they already received and cashed my check. I would not recommend using this company. Extremely unprofessional. Better business bureau needs to investigate.
Reply from PowerPay2025-04-07
Hello Autumn, we thank you for providing your honest feedback. Providing the highest level of customer service is our number one priority and we sincerely apologize for falling short of meeting your expectations. If there is anything else we can do to further assist you, please feel free to give us a call.
NOTHING BUT A HORRIBLE EXPERIANCE FROM THE BEGINING. FIRST WE GOT APPROVED FOR A HEATUNG/COOLING UNIT AND DONE WELCOME CALL EVERYTHING WAS GREAT. THEN AFTER 2 MOS AND MAKING 2 PAYMENTS THEY CANCEL OUR LOAN WITHOUT EVEN SPEAKING TO US. THE CONTRACTER ACTUALLY CALLED. THEN THEY CONTINUED TO KEEP CALLING ASKING FOR A PAYMENT SAYING WE ARE LATE!!! HORRIBLE CUSTOMER SERVICE. IF THEY WILL CANCEL US AFTER 2 MOS THEY WILL DO THEY SAME TO YOU!!
Reply from PowerPay2025-03-24
Hello Kimberly, 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 1-800-397-4485. We look forward to speaking with you.
Hello Jay, we appreciate you taking the time to write us a great review! Thank you so much. If there is anything else we can assist you with, please feel free to give us a call. Have a wonderful day!
This was a new and totally different experience. Your phone agent Vivi, was very thorough in explaining and walking through my inexperience. She was a charm to work with.
Reply from PowerPay2025-01-02
Hello Robin, we would not be able to grow and develop without your feedback! We really appreciate you taking the time to leave us a great review! If there is anything else we can do for you, please feel free to let us know!
I'm not use to using computers, nor do I know very much about them/don't care nothing about AI. Your representative Mary Dy helped me through-out the whole process, and I'm very pleased with her complete help.
Reply from PowerPay2025-01-02
Hello Ralph, thank you so much for taking the time to write us a review! We are so happy to hear Mary was able to assist you. If you need any further assistance, please feel free to give us a call. Have a wonderful day!
WORST CUSTOMER SERVICE
I have tried to make contact now for four days regarding getting previous statements. Called 866-615-4339 five times and always get they are busy and requested a call back and never received a call back. Call 800-397-4485 three times requesting management help and only get transferred to the same number as before to leave a call back number. Called 4485 several times, as well, to speak to a supervisor and they are ALWAYS unavailable. I also emailed and have not received a response. The absolute worst customer service and online site. The statements i need are listed but get an error message when i try to download...as horrible as this company is it isn't surprising that they are apparently to busy dealing with other issues to answer customers calls. This is the 5th time i have dealt with issues like this and i should have written a review before now.AVOID this lending company! All those positive reviews are probably them putting on to cover their horrible service.
Reply from PowerPay2024-12-17
Hello Michael, thank you for bringing your concerns to our attention. At PowerPay, we appreciate all feedback as it allows us to continue to improve our processes. A member of our team has reached out to you to address your concerns!
The worst, check well, they rob people 2.90 each month without informing and when contact them, they say its mentioned. Its false. That company is robbing people, check well
Reply from PowerPay2024-11-06
Hello, it looks like you may be in Switzerland and may be trying to write a review for a different company. We are a home improvement and healthcare lending company. If you have any further questions, please give us a call at 1-800-397-4485.
I have tried to make contact now for four days regarding a refund I am owed. Called 866-615-4339 where I heald for at least 12 minutes or more each time. Requested a call back and never received a call back. Pushed * to continue to hold as they request and my call was dropped. Call 800-397-4485 three times requesting management help and was put in line to hold again then call dropped. Also emailed and have not received a response. Poor customer service...what problems they must have to not be able to answer customers calls.
Reply from PowerPay2024-11-06
Hello Susan, we apologize for any inconveniences you have experienced. We appreciate all feedback as it allows us to continue to improve. We were told that everything has been addressed. If you are still experiencing issues, please give us a call at 1-800-397-4485. Thank you.
Anne was the most kind and patient customer service representative I’ve had over the past two weeks of dealing with several reps in 4-5 different companies. It’s been confusing, overwhelming, and stressful juggling the different to-do items from various companies. Ann was patient, didn’t rush me, and was so kind to guide me in uploading my drivers license into my application online. I was so relieved to have such kindness in this time of stress. It really meant a lot to me.
Reply from PowerPay2024-06-26
Hello Kelli! Thank you so much for taking the time to write us a wonderful review. We are so glad Anne was able to help and give you a great customer service experience. If you need anything further, please don't hesitate to reach out. Have a great day!
Definitely needs a 0 start option. This review is in reference to the merchant side. PowerPay will reverse transactions on you without notice and without ever communicating with you about the alleged customer complaint or issue. They will simply take the word of the customer and take the money back out of your account. Some might call this theft. They hide behind their disclosures and refuse to even have a civil conversation. Run, do not walk as far as you can from this company. My company has been working with other 3rd party financing companies for over 10 years and PowerPay is by far the absolute worse without question. No other company even comes close to how unscrupulously, unprofessionally and unethically this company operates.
Reply from PowerPay2023-10-11
Hello, thank you for taking the time to write a review. Our team has reached out to address all complaints. I’m sorry to hear that your experience was not positive, but we’re grateful for the feedback. Your comments and concerns are being reviewed by our team to help us evaluate and make improvements internally. Thank you!
I need a 0 star. Working on moving my loan. Place is a joke
Reply from PowerPay2023-05-31
Hello, we are so sorry to hear that you did not have a good experience with PowerPay. We would like to speak with you regarding the issues and attempt to resolve them. If you could please give us a call at 1-800-397-4485, we would greatly appreciate it. Thank you and we hope you have a wonderful day.
If I could give a 0 it would be too much. I call the company many many time. They never fix the problem . They sent the contractor a 1000 dollar more it took a year almost for them to get it back. I pay interest on the 1000 they never adjusted it. Oh yes if you make extra payments on the loan to put on the principal they take interest out of it. Watch this company is bad
Reply from PowerPay2023-05-03
Hello Louise, we are sincerely sorry you did not have a positive experience with PowerPay. We would like to speak with you regarding these issues to try and resolve the issues. Please give us a call at 1-800-397-4485 at your earliest convenience. Thank you.
I had originally signed a contract for a loan at 8.99 on 6/15/22, on 12/15/22 I was contacted by Powerpay because an additional loan was received for $50k. They asked was this additional work. I told them “no”. They told me to contact the contractor and have the newest loan canceled because I already have my 06/15 loan. I contracted the Contractor and they were doing that. On 12/22/22 the contractor contacted me and told me that power pay had canceled the original. I came in and talked with the contractor. He called powerpay while I was there and on speaker to try to get the issue straighten out, they then placed his call through to his Rep and it went to voicemail. He stated he had 3 other customers that were going through the same thing of the contract being canceled and new contracts with higher interest rates. I ended up signing a new contract with pp because the contractors work was completed and passed inspection. I personally contacted power pay on 12/22/22 and was told the loan representative would be contacting the contractor about the issue. In my original contract it states, If project is not completed within 6 months I would be required to start making payments.
All I have asked Pp to do is honor the original contract at the original interest rate. Their answer is “nothing we can do the contracts expire after 6 months, you shouldn’t have signed the contract”.
If I had known then I was dealing with a company that seems to do this routinely, as I have found out by the reviews on this site and others. I would had taken my business to my Credit Union and paid their home loan improvement doc fees.
Reply from PowerPay2023-04-21
Hi Ray, we are extremely sorry to hear your experience was not positive. We aim to provide exceptional service and experiences at PowerPay. We want to speak with you further about your concerns and learn more about the situation. Please contact us at 1-800-397-4485 when you have a chance. Thank you so much.
Mary Dy is the BEST , she went beyond her duties to help me and I am very thankful for her help . THANK YOU MARY D.!!!!!
Reply from PowerPay2023-03-15
Hi Kaleb! We greatly appreciate you taking the time to write this awesome 5-star review! We are so happy to hear Mary Dy exceeded your expectation. Have a wonderful day!
I was late with paying my bill due to lack of information on my end and Mary Dy helpfully coached me through the ordeal and got me squared away. Thank you soo much
Reply from PowerPay2023-01-19
Hi Tad! We greatly appreciate you taking the time to give us this wonderful feedback. We are so glad Mary was able to assist. If you need anything further, please don't hesitate to reach out!
Kristel made my experience worth 5 stars. she is pleasant to work with and has great compassion. We are not in a desperate situation, we have made our payment. The funds have come out of our account 3+ weeks ago, but PowerPay has not received the funds as of today. I made another payment with Kristel over the phone and have a call into my bank to investigate what happened.
Reply from PowerPay2023-01-18
Hi Carmella! We greatly appreciate you taking the time to give us this wonderful feedback. We are so glad Kristel was able to assist. If you need anything further, please don't hesitate to reach out!
They get the job done very quickly answer any questions very nice and polite.
I needed a paper showing my sign named for my job done on my windows. She was very nice got the job done quickly waited on the phone to make sure I received the information in my email.
Reply from PowerPay2022-12-21
Hi Martha, thank you so much for taking the time to write us a great review! If you need anything, please give us a call. Have a wonderful day!
Mary Dy is very understanding, she professionally work out the best resolution for clients who are having a tough time. Great work Mary dy,may ELOHIM richly bless you with peace.
Reply from PowerPay2022-12-14
Hi Peter! Thank you so much for taking the time to write us a review! We are so glad Mary was able to assist you. If you need anything further, please feel free to reach out to us. Have a wonderful day!
I signed up for a loan with power pay. No payments no interest for 2 years, then interest starts at 6.49 percent. Three months after signing the loan and it being fully funded the project had not started due to a disagreement with Powerpay and the contractor. Powerpay was refusing to pay the contractor based on their contracted terms. Powerpay then cancelled my loan stating that i had not started and would default on their timeline. I had an attorney review our contract and their is no timeline given in the contract. I called powerpay for over three weeks at least 10 times which they documented and noted that no one returned phone calls or text. They canceled a legally binding agreement and when questioned on why they did so without consent they offered to re instate my loan. Unbeknownst to me they created a second loan with unique identifier that the contractor forwarded to me in an email directly from power pay where they opened up a second loan in my name at 12.99 interest rate. After three weeks of no response i had an attorney call simply asking for info. They told us they could not talk to us and we had to talk to their leg team, yet they refused to give us their legal teams info and hung up the phone. Apparently the sales rep Becca is in charge and refuses to speak to me. Margarita tried to help but also informed me that Amberly and the other reps were ignoring my phone calls. Their license as a financial lender should be revoked for unfit and illegal practices.
Reply from PowerPay2023-04-21
Hi JR, thank you for bringing your concerns to our attention. We are very sorry to hear you did not have a positive experience. At PowerPay, we strive for excellent service and experiences so we will continue to improve our processes based on your feedback! To discuss your concerns further, please reach out to us at 1-800-397-4485 so that we may try to resolve the issues. Thank you and have a great day!
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