Credit Reporting Coming in 2017.

Your account information (including repayment history) may be reported to the credit bureaus. Zebit still never performs a credit check.

Click to learn more

Working Americans can receive up to

$5,000 interest-free credit

Shop millions of products and pay over time. No interest. No fees. No credit check.

Always 0% APR.

Why join Zebit? It’s simple.

  • No membership fees. Ever.
  • Shop millions of brand name products at competitive retail prices.
  • Pay over time without interest or fees.

Am I Eligible?

Zebit gives employed Americans access to interest-free credit and free financial education.

  • Over 18 years old
  • You are actively employed
  • Enrolled in direct deposit

Zebit will validate your income, employment, and/or tenure, without a credit check.

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 credit check. Always 0% APR.

Television

Example price: $399

Save 30-70% with Zebit.

HOW ZEBIT WORKS

Buy now and pay over time.

Join

Verify your employment. No credit check.

Shop

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 fees, we mean it.

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

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% APR 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% APR 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 freeze your account and contact you for another form of payment. Contact Zebit as soon as possible and we will work with you to pay off your purchase. 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 perform a credit check when you register. In 2017, we may report information about your Zebit account to credit bureaus. Consistent, on-time repayment history and positive account status may reflect positively on your credit report and may help raise your credit score. However, late payments, missed payments, or other defaults on your account may also be reflected on your credit report. Other credit reporting questions can be answered here.