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 will validate your income and/or employment without a credit check.

Like most retailers, Zebit sources goods at wholesale prices and sells them at competitive retail prices. We are committed to keeping our prices competitive and offering 0% APR to every member.

There isn’t one. Zebit is unlike other financing methods that charge penalties and fees or increase interest rates over time. We don’t believe in financing gotchas or bait and switch tactics. When we say no interest and no fees, we mean it.

Zebit does not perform a credit check when you register. In 2017, we may report information about your Zebit account to credit bureaus. Consistent, on-time repayment history and positive account status may reflect positively on your credit report and may help raise your credit score. However, late payments, missed payments, or other defaults on your account may also be reflected on your credit report. Other credit reporting questions can be answered here.

We strive to work with our customers through major life events. If you miss a payment, Zebit will work with you to pay off your purchase. Zebit will freeze your account and contact you for another form of payment. You will only owe the purchase price, never a penny more. We will not tack on interest or fees. Once you have paid off your purchase, we will unfreeze your account. There is no credit card or financing option that does this in the industry. Zebit does it because we are committed to you and the partnership we are building together.

Our model to offer you 0% credit and competitive retail pricing only works if you pay us back on time.