Shop Zebit’s Marketplace
Pay Over 6 Months

  • Never pay more than the price at checkout
  • Shop 1,500+ top brands
  • Get a max of $1,500 for an initial spending limit
  • No FICO® check, hidden fees or “gotchas”
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Most approved customers qualify for an initial Spending Limit of $750-$1,500. The range is based on 2022 data and can vary depending upon creditworthiness and underwriting criteria. The range is updated at least annually. 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. Zebit does not approve 100% of orders. Each order is evaluated and underwritten at checkout using a variety of factors to ensure responsible spending. We may temporarily freeze your ability to use your Spending Limit to encourage responsible buying behavior and allow you time to establish a positive payment history with us.

Financing terms for $1,000 item: Make a 25% down payment of $250.00 at checkout. $750.00 is financed at 0% APR for 6 months. This is a representative example. Most approved customers will qualify for an initial 25% down payment at checkout, but it may be as much as 35%. Payment schedule is determined by income frequency and will vary from 6 to 26 payments. See your Retail Installment Contract for details. Purchasing or financing an electronic certificate will carry an 18% handling fee. A $200 valued gift card will cost $236 (excluding any sales tax if applicable by state). 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.

Why Choose Zebit?


Shop Top Brands

You could get a max of $1,500 in credit to shop at Zebit and spend on the products you want.

Fast and Easy Application

We need to confirm income and identity before offering credit. We won’t check your FICO® score. See Key Terms

No Hidden Fees

Membership is free and we don’t have any “gotcha” fees. The price at checkout is what you’ll pay and not a penny more.

Common Questions

What's the catch?

There isn’t one! The price you see at checkout is the price you pay. Buy now and pay over time. No hidden fees or penalties. It’s that simple.

Will Zebit affect my credit?

Zebit does not pull anything that affects your FICO® score. Zebit obtains information about you from certain specialty credit reporting agencies as part of its verification process, but does not affect your FICO® score. See Key Terms

Am I eligible for Zebit?

Zebit must be able to validate your identity, your income and/or employment, and you must be over 18 years old or of legal age to enter into a contract.

More questions? Check out the FAQ page or email

Credit for Everyday People

You could get a max of $1,500 in credit to shop top brands and your favorite products.