How Zebit Works

Join Zebit

Shop & receive products

Pay over time

Applying online is easy.

Fill out a short application & get approved in minutes.


Zebit may validate your identity and income

Must be at least 18

No FICO score needed

Shop and Save with Zebit


Example price: $1,000

Frequently Asked Questions

Am I eligible?

To be eligible for Zebit, you must meet the following criteria:

  • -You are over 18 years old
  • -You are actively employed, retired, or disabled with benefits

Zebit may validate your income and/or employment with no FICO score needed.

How does Zebit make money if it guarantees 0% interest?

Like most retailers, Zebit sources goods at wholesale prices and sells them at competitive retail prices. Since we are not a large retailer, like Walmart or Amazon, we are not always able to offer the lowest price in certain categories, but we are committed to keeping our prices as competitive as possible and giving you the choice to buy name brands like Apple and Sony, while offering 0% interest to every member.

What’s the catch?

There isn’t one! Zebit is unlike other financing methods that charge interest. We don’t believe in financing gotchas or bait and switch tactics. Although we may not be able to offer the lowest price in certain categories, when we say no interest or membership fees, we mean it.

Will my credit score be affected?

Zebit does not pull anything from the major bureaus that affects your FICO score. Zebit does perform a credit check with a third-party, alternative credit reporting agency, but it has no connection with FICO.

What’s Zebit’s Pricing Commitment?

We are committed to offering you the ability to pay over time at 0% interest, including brand name products like Sony and Apple. We compare our product prices with dozens of online retailers to give you a fair retail price, while allowing you to buy it with affordable payments over time. Since we are smaller than retailers like Amazon and Walmart, we are not able to buy products in bulk and offer discounted prices. As we sell more, we hope to do the same. Other retailers markup their prices by 40-60% on categories like fragrances and furniture. Zebit does not. Instead, we pass our cost savings onto you.

Other questions?

View FAQs

Safe & secure.