How Zebit Works

Join Zebit

Shop & receive products

Pay over time

Registering is easy and free

Fill out a short application & get approved in minutes.


Zebit may validate your identity or income

Must be at least 18

No FICO score pulled

Frequently Asked Questions

What’s the process?

Zebit has a two-step underwriting process for its customers. Zebit verifies your identity, income, and/or employment, to allocate an initial Spending Limit as conditional credit, so you can shop, and we underwrite every purchase attempt at checkout.

What’s the catch?

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

Will my credit score be affected?

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.

How does Zebit make money?

Like most retailers, Zebit sources goods at wholesale prices and sells them at retail prices. Zebit’s products may differ from other retailers’ prices, but the price you see at checkout will always be what you pay and never a penny more.

Other questions?

View FAQs

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