Most approved customers receive $750-$1,500 for an initial Spending Limit. Zebit has a two-step underwriting process. Zebit verifies your identity, income, and/or employment, to allocate an initial Spending Limit as conditional credit for you to shop, and then we underwrite every purchase attempt at checkout.

Financing terms for $1,000 item: Make a 30% down payment of $300.00. $700.00 is financed at 0% APR for 6 months. This is a representative example. See your Retail Installment Contract for details. Purchasing an electronic certificate today or over time will carry an 18% handling fee. So a $200 valued gift card costs $236. Zebit will verify information using certain specialty credit reporting agencies which does not affect your FICO® score. Zebit’s prices may differ than other retailers’ prices. Compare before you shop. Not all customers will be approved for credit.

FICO® is a registered trademark of Fair Isaac Corporation