How Zebit Works

Join Zebit

Shop & receive products

Pay over time

Applying online is easy.

Fill out a short application & get approved in minutes.


Zebit will validate your income and/or employment

Must be at least 18

No FICO score needed

Shop and save with Zebit


Example price: $1,000

Frequently Asked Questions

Am I eligible?

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 with no FICO score needed.

How does Zebit make money if it guarantees 0% interest?

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% interest to every member.

What’s the catch?

What’s the catch? There isn’t one! Zebit is unlike other financing methods that charge interest. We don’t believe in financing gotchas or bait and switch tactics. When we say no interest or membership fees, we mean it.

Will my credit score be affected?

Zebit does not pull anything from the major bureaus that affects your FICO score. Zebit does perform a credit check with a third-party, alternative credit reporting agency, but it has no connection with FICO.

What if I miss a payment?

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.

Other questions?
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