Most approved customers receive $1,000-$2,500 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 25% down payment of $250.00. $750.00 is financed at 0% APR for 6 months.  This is a representative example.  See your Retail Installment Contract for details. If you choose to pay your down payment in installments, through electing the “Pay Less” option at checkout, you will make a single payment at checkout and then 2 more equal weekly payments until your down payment has been paid. Then your order will be processed. 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.

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