A Comprehensive Review of Zebit including how to purchase, comparisons, company history, pros, cons, reputation, comparisons and more.


The escalating cost of living has made acquiring quality products increasingly difficult for many people, as paying large sums upfront is not always feasible. Amid this challenging economic climate, Zebit emerges as a beacon of hope for individuals who have less than perfect credit.
Navigating the Zebit website, exploring payment options, browsing the diverse selection of products, and benefiting from flexible payment plans and efficient shipping - every aspect of the Zebit experience is designed for simplicity and convenience. This guide will provide you with an in-depth understanding of how Zebit can help you effortlessly obtain the home items you need.

Company Overview

Zebit is a progressive enterprise focused on easing the monetary strain many individuals experience due to the continuously rising cost of living. The company acknowledges that affording quality products through a single payment can be challenging for some, particularly those in underserved communities.

At its essence, Zebit is an all-inclusive online platform that offers an extensive selection of items, including household goods, electronics, furniture, and more, to accommodate a variety of customer requirements. The company's primary objective is to close the affordability gap by presenting a unique shopping experience that combines ease of use, adaptability, and accessibility.

Company Overview

A notable feature of Zebit is its installment payment option, which permits customers to distribute their purchase costs over six months. This inventive approach allows individuals to obtain the items they require without the financial stress of an immediate, sizable payment.

Besides its flexible payment plans, Zebit is committed to providing an outstanding user experience through its intuitive website. The platform showcases an extensive range of products, catering to diverse preferences while maintaining high quality standards. Moreover, the company places significant emphasis on prompt shipping and handling, ensuring customers receive their orders in a timely fashion.

Zebit's dedication to customer satisfaction is further demonstrated by its attentive customer support team, who are available to address any concerns or questions. The company also prioritizes data security and privacy, guaranteeing that all transactions occur in a protected environment.

Overall, Zebit is an inventive company offering a practical solution to the financial obstacles many people face in today's economic landscape. With a wide product assortment, user-friendly website, adaptable payment options, and an emphasis on customer satisfaction, Zebit is simplifying the process of obtaining essential household items.



Zebit stands out as a leading buy-now-pay-later (BNPL) retailer. Zebit offers an extensive selection of products for its customers. With a variety of benefits associated with purchasing from Zebit, it becomes an attractive option. Let's explore some of these enticing factors!

Safety and Privacy

Shopping with Zebit is secure, as they do not disclose credit information to other credit bureaus. They also ensure that all customer personal data remains confidential.

Zero Interest Charges

Zebit provides an amazing online marketplace where you can buy numerous products now and make payments over a few months without incurring any hidden fees or interest charges.

Simple Application Process

Applying for a Zebit account is straightforward. Customers complete an online registration form, providing their email address, name, age, and other required information. Zebit does not check shoppers' credit scores. Instead, they gather information from credit agencies and assess whether you qualify for the process. They verify the user's identity, employment, and income during the application.

Adaptable Payment Plans

Zebit offers great convenience for customers by allowing them to make a 25% down payment and pay the remaining balance over the next six months. Regular repayments are crucial for costly items such as large appliances or laptops.

Extensive Product Selection

Zebit is an ideal choice for people seeking a one-stop-shop. With over 175,000 products, it ranks among the top BNPL companies. Customers can find electronics, small and large appliances, personal care items, baby products, meat, seafood, beverages, beauty products, home goods, kitchen accessories, and more.

Top Brand Offerings

Zebit features a vast array of products from over 1,500 leading global brands, such as Apple, Samsung, Sony, Ashley, Nintendo, and HP, across 80-plus categories.

Digital Gift Cards

Zebit also offers digital gift cards for restaurants, travel brands, and retail stores.

Mobile App

Customers can shop, make purchases, and track orders using Zebit's fully functional app, available for both iOS and Android devices.



Despite its many advantages, Zebit also has some drawbacks that potential customers should consider. Let's examine some of these less favorable aspects.

Limited Availability

Zebit is currently only accessible to customers in the United States, excluding potential users from other countries who may be interested in the platform's services.

Strict Eligibility Criteria

To apply for a Zebit account, customers must meet specific criteria such as having a steady income and verifiable employment. This requirement may exclude some individuals who are self-employed or have irregular income sources.

Delayed Shipping Times

While Zebit does its best to ensure efficient shipping, some customers have reported longer-than-expected delivery times for their orders, which can be frustrating when waiting for essential items.

Restricted Product Categories

Although Zebit offers a wide variety of products, certain categories such as clothing and shoes are not available on their platform, limiting customers' choices.

High Prices

Some shoppers have observed that the prices of certain items on Zebit can be higher compared to other retailers. This could be a disadvantage for cost-conscious customers who are seeking the best deals.

No Credit Reporting

While Zebit protects customers' credit information, they also do not report positive payment history to credit bureaus. Consequently, customers who are looking to improve their credit score through timely BNPL payments will not benefit from using Zebit.

Lack of Promotions and Discounts

Zebit does not frequently offer promotions or discounts on their products. This lack of incentives may be disappointing for customers who enjoy taking advantage of sales and special offers when shopping.

Zebit Reputation and Reviews

Zebit has mixed reviews; some customers are pleased, while others are dissatisfied. Here is what we found:

Zebit's online reputation presents a mixed picture, with some customers expressing satisfaction while others report dissatisfaction. To provide a more detailed overview, we have compiled ratings from various review platforms:

Site Jabber: Zebit has a 2-star rating out of 5 on Site Jabber, indicating that some customers may have had less than satisfactory experiences with the company. This could be due to issues like delayed shipping, higher prices, or customer service concerns.

Trustpilot: On Trustpilot, Zebit fares better with a 3.8-star rating out of 5. This suggests that a significant number of customers are generally content with their experiences using the platform. Positive reviews may highlight factors such as the convenience of installment payments, the variety of products, or the user-friendly website.

Better Business Bureau (BBB): The Better Business Bureau gives Zebit a 3.09-star rating out of 5. While this rating is closer to the average, it still reflects that customers have had a range of experiences, both positive and negative. The BBB rating takes into account various factors, including customer complaints and the company's response to those complaints, which can influence the overall score.

In summary, Zebit's online reputation is varied, with some customers praising the platform and others expressing dissatisfaction. Prospective users should weigh both the positive and negative aspects before deciding whether Zebit is the right choice for their needs.

Placing An Order at Zebit

Placing An Order at Zebit

Zebit serves as a one-stop-shop offering an extensive selection of items for customers while ensuring a smooth shopping process. Here are the steps to guide you in acquiring your preferred product from Zebit.

1. Browse the Zebit website and navigate through the various product categories to find the item you wish to purchase.

Placing An Order at Zebit

2. Go to the search bar, write the item that you want to buy, and tap it. OR visit the relevant category and then choose the desired product from the popped-up list.

Placing An Order at Zebit

3. After selecting the product you want, you can opt for the preferred color. Next, review the form on the right side and select the payment frequency ā€“ weekly, bi-weekly, semi-monthly, or monthly. Once you've decided on the payment details, click on the orange button labeled "Get Started" below.

Placing An Order at Zebit

4. The product will be added to your cart. Within one to two clicks, you can complete your application process and (if approved) get it delivered to your doorstep.

Zebit vs. FlexShopper

Zebit vs. FlexShopper

While both Zebit and FlexShopper are popular options for shoppers seeking alternative payment methods, they differ in their approaches. Zebit operates as a buy-now-pay-later company, whereas FlexShopper follows a lease-to-own model. FlexShopper offers around 100,000 products from well-known brands, while Zebit boasts a more extensive selection with 175,000 items from top brands.

Both companies excel in their product categories. Zebit's offerings include electronics, furniture, jewelry, home goods, beauty items, appliances, and more. In contrast, FlexShopper provides customers with appliances, furniture, laptops, tablets, fitness equipment, cell phones, video games, TVs, wheels, tires, and other products, all under one roof. FlexShopper's leasing plans span 52 weeks, after which customers can own the products, while Zebit requires weekly payments. Both companies have mobile apps available on iOS and Android platforms.

There are similarities between Zebit and FlexShopper as well. To be eligible for their plans, customers must be US citizens and at least 18 years old. FlexShopper has a spending limit of $2,500, while Zebit starts with an initial spending limit of $1,500, which can increase if payments are made on time.

One advantage of Zebit is its openness to customers with poor credit scores and its commitment to charging zero percent interest rates on payments.

Zebit vs. Aaron's Rents

Zebit vs. Aaron's Rents

As the cost of goods continues to rise, rent-to-own and buy-now-pay-later stores are gaining traction among consumers. Zebit and Aaron's Rent are two leading retail outlets in the US market. Aaron's Rent was established in 1955 by R. Charles Loudermilk.

While Zebit operates as a buy-now-pay-later company, Aaron's Rent is a well-known lease-to-own retailer. Aaron's Rent primarily focuses on leasing electronics, appliances, computers, and furniture, selling products through both e-commerce platforms and physical stores. In contrast, Zebit conducts its business via its website and mobile app.

The application processes for both companies are relatively straightforward. For Zebit, applicants must be at least 18 years old and provide basic information when completing the application form. Similarly, Aaron's Rent requires applicants to submit their name, contact information, ID, income details, and Social Security Number (SSN).

In terms of payment plans, Aaron's Rent offers 12, 18, or 24-month schedules, while Zebit allows customers to pay off the remaining balance within six months after making an initial down payment.

Zebit vs. Rent-A-Center

Zebit vs. Rent-A-Center

Zebit, an online shopping platform, offers customers the advantage of buying items immediately while paying for them later without requiring credit checks. Rent-A-Center pursues a similar goal, aiming to improve the quality of life for those who cannot afford expensive appliances, furniture, and electronic devices.

Primarily operating through its website and mobile app, Zebit conducts its business online. In contrast, Rent-A-Center maintains a vast physical presence with over 3,000 brick-and-mortar stores and offers the perk of same-day delivery. Zebit's delivery times tend to be longer, usually taking about 7 to 10 days for customers to receive their purchases. Both companies emphasize providing high-quality products from well-known brands.

When it comes to payment plans, Rent-A-Center generally offers lease-to-own agreements, while Zebit focuses on buy-now-pay-later schemes. This variation in their approaches allows consumers to select the option that best aligns with their financial situation and preferences.

Zebit vs. Fingerhut

Zebit vs. Fingerhut

Zebit and Fingerhut are unique businesses, each with its own history. Zebit came into existence in 2015, whereas Fingerhut has been around for more than 70 years, having started in 1948. Fingerhut initially sold car seat covers and later evolved into a mail-order catalog company, broadening its product offerings to encompass items like dishes, tools, and towels.

Zebit allows customers to access loans up to $2,500 for purchasing items on their website, with repayment required in six-month installments. On the other hand, Fingerhut provides two credit account options: Fingerhut Fetti and FreshStart Credit Account. Customers can make payments on a monthly basis using credit until the full amount is settled.

Although Fingerhut presents a range of products, such as electronics, toys, beauty products, and clothing, its product categories aren't as numerous as those available on Zebit. Instead of offering in-house financing, Fingerhut partners with WebBank for financial services.

Both Zebit and Fingerhut maintain transparency regarding their fee structures, with neither imposing hidden charges. Additionally, Fingerhut doesn't necessitate an annual fee and even presents a 10% bonus through its payment reward initiative.

Frequently Asked Questions - FAQs.

Here are some important frequently asked questions about The Credit Pros.

Q1. Is Zebit a legit company?
A1. Yes, Zebit is a genuine business. Founded in 2015, the company provides a buy-now-pay-later (BNPL) service that allows customers to acquire items and pay for them in installments without incurring interest fees. Zebit's online store offers an extensive selection of products from reputable brands. As with any business, it's crucial to examine customer reviews and investigate the company's policies prior to making a purchase to confirm that it meets your requirements and preferences.
Q2. How does Zebit verify income?
A2. Zebit requests customers to provide evidence of income during the registration process to verify it. This may include submitting recent pay stubs, bank statements, or other relevant documents that demonstrate a steady income source. By reviewing this information, Zebit can evaluate a customer's eligibility for their buy-now-pay-later program and establish an appropriate credit limit.
Q3. Does Zebit build your credit?
A3. No. It does not report to a major credit bureau.
Q4. Does Zebit check credit?
A4. No, Zebit does not perform a credit check when customers apply for an account. However, it may review credit reports from third-party credit bureaus to verify identity and income information provided by customers.
Q5. What happens if you don't pay Zebit?
A5. Failure to pay Zebit on time may lead to defaulting on payments, resulting in extra fees and interest charges. Your account may also be reported to a collection agency, which could have adverse effects on your credit score. Zebit can even limit your account and prohibit you from making future purchases until you clear the outstanding balance. It's important to discuss any payment issues you are having with Zebit to prevent these outcomes and explore alternative options.
Q6. How do you get approved for Zebit?
A6. To become eligible for Zebit, you need to fill out an online application form that requires basic information, such as your name, age, email address, and employment details. Zebit does not perform traditional credit checks but evaluates your eligibility using data from credit bureaus. Additionally, they may request proof of income to confirm your capacity to repay the buy-now-pay-later plan. Once approved, you will receive an initial spending limit and can start shopping on the Zebit website or mobile app.
Q7. What stores take Zebit?
A7. You can only use the Zebit spending limit in its online marketplace to purchase products.
Q8. Is Zebit a scam?
A8. Zebit is a legitimate company that offers an online marketplace for customers to purchase items through buy-now-pay-later services without accruing interest charges. While there are mixed reviews from customers, Zebit is a registered business with the Better Business Bureau and has been operating since 2015. It is advisable to review customer feedback and research a company's policies before making a purchase to ensure it aligns with your needs and expectations.
Q9. How long does Zebit take to deliver?
A9. Typically, Zebit takes about 7 to 10 days to deliver items to customers, though delivery times may vary based on several factors, such as the availability of the product, shipping method, and location. It's advisable to check the estimated delivery time mentioned by Zebit while making a purchase to ensure it meets your requirements and expectations.
Q10. Is Zebit a ripoff?
A10. No, Zebit is not a ripoff because it receives many positive reviews from shoppers. Zebit got a fairly good rating from Trustpilot's 4000+ reviews. Furthermore, Better Business Bureau gives Zebit A+ rating and four stars from 200+ reviews. Bloomberg also reports its financial position every year.
Q11. Does Zebit report to credit bureaus?
A11. Zebit does not report to any of the major credit bureaus. However, it does report to Clarity Services, a minor consumer reporting agency. Zebit does check your credit by obtaining information from the FCRA certified database.
Q12. How to close Zebit's account?

To close your Zebit account, follow these steps:

  1. Log in to your Zebit account on the website or mobile ap
  2. Click on the 'Help' butto
  3. Select the 'Contact Us' optio
  4. Send a message to the Zebit support team requesting to close your accoun
  5. Alternatively, you can call Zebit customer service and speak with a representative to request account closure

It's important to note that before closing your account, you should ensure that:

  • You have paid off any outstanding balance.
  • You have returned any products as per the Zebit return policy.
Q13. What does Zebit sell?
A13. Zebit has a huge inventory of 175,000 products for all valuable customers. They sell electronics, computers, beauty products, appliances, home goods, kitchen accessories, sports items, health equipment, and more.
Q14. How does Zebit verify employment?
A14. Zebit verifies employment by requesting proof of income during the registration process. This may include submitting recent pay stubs, bank statements, or other documentation that demonstrates a steady source of income. By reviewing this information, Zebit can assess a customer's eligibility for their buy-now-pay-later program and determine the appropriate credit limit.
Q15. How much money does Zebit lose each year?
A15. For the economic year ended 31 December 2021, the net loss for Zebit Inc., rose from A$7.4M to A$21M.


Zebit is an online marketplace that allows customers to purchase items and pay over a six-month period. The platform features a wide selection of products from top brands, ensuring a smooth and hassle-free shopping experience for users. What sets Zebit apart is that it doesn't charge interest, application fees, late fees, or membership fees. There are no tricky eligibility criteria or heavy down payments required, making shopping on Zebit convenient and trustworthy.