Financing terms for $1,000 item: Make a 25% down payment of $250.00. $750.00 is financed at 0% APR for 6 months, with 12 semi-monthly payments of $62.50 each. This is a representative example. See your agreement for details. Purchasing an electronic certificate today or over time will carry an 18% handling charge. 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 products may differ than other retailers’ prices. Not all customers will be approved for credit.