Welcome, BadChristian listeners!

Get up to

$2,500 interest-free credit

Shop millions of products and pay over time. No interest. No membership fees. NO FICO score needed!

0% interest.

Why join Zebit? It’s simple.

  • No membership fees. Ever.
  • Shop millions of brand name products.
  • Pay over time interest-free.

Am I Eligible?

Zebit gives members access to interest-free credit to pay over time on purchases.

  • 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.

Shop millions of your favorite brands and pay over time.

The products you're looking for at competitive retail prices.

Zebit beats other financing options.

No interest. No fees. No FICO score needed. 0% interest.


Example price: $399

Save 30-70% with Zebit.


Buy now and pay over time.


Verify your employment. No FICO score needed.


Visit the Zebit Market and shop with your interest-free credit. Your order ships within a few days.

Pay Over Time

Use your debit card tied to your bank account or credit card to make payments over time.

Frequently Asked Questions

What’s the catch?

There isn’t one. Zebit is unlike other financing methods that charge penalties and fees or increase interest rates over time. We don’t believe in financing gotchas or bait and switch tactics. When we say no interest and no membership fees, we mean it.

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.

Why does Zebit exist?

Zebit believes that every working American deserves access to no-cost credit options. Other financing methods charge exorbitant fees, penalties, and interest. As a consumer, they can leave you feeling scammed and financially helpless in a time of need.

Zebit is the first trusted and transparent credit option to grant 0% interest to every member. We provide our members a dependable way to finance brand name, high quality goods and services. Join Zebit today and access the credit you deserve.

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.

Does Zebit report to credit bureaus or 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.

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.