Zebit is a company that offers a unique buy now pay later service. This allows people to make purchases and then pay for them over time, making it easier for people to manage their finances. This BNPL service can be used for a variety of different purchases, including clothing, electronics, and even furniture. You can use Zebit to pay for your purchases over time which is a great option for people who want to make a purchase but may not have the funds available upfront.
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How Zebit Works
Zebit is a marketplace with over 1,500 top brands across 80+ categories that allow you to buy now and pay over 6 (six) months. Zebit’s goal is to make your buying and paying back experience as easy as possible. That way you can enjoy shopping worry-free.
Step 1: Registration
Applying is easy. Simply answer a few questions about your identity and income information. They verify information to prevent fraud and identity theft, and to initially evaluate your ability to pay over time. No credit check is necessary. They do not pull anything that affects your FICO score.
If your registration is approved, you will receive conditional credit to start shopping. Most customers qualify for an initial Spending limit of $750 – $1,500. Final credit assessment is done at checkout for every purchase, and your purchases are not complete until they are approved.
If you work at an employer/association that offers Zebit as a benefit, you can choose your employer/association from the drop-down list and not have to answer as many questions.
Step 2: Shop Zebit Marketplace
- You will never pay more than the price shown at checkout. There are no hidden fees.
- Zebit does not automatically approve 100% of orders. Each order is evaluated and underwritten on a case-by-case basis at checkout by using a variety of factors.
- If your order is approved, you will be asked to make a down payment upon checkout. That amount of your down payment will range from 20% to 35% of your total order.
- You can then use your spending limit to finance the remaining amount of the order total over six (6) months based on your income or pay frequency.
- If you use auto-pay at checkout, they will keep your debit or credit card on file for your future payments. Don’t worry, your card is safely secured on their website.
- You will electronically sign a “Retail Installment Contract” that shows you how installment payments will be split over time.
- There are no hidden fees whatsoever.
- Zebit may temporarily freeze your ability to use your full spending limit to encourage responsible buying behavior. This also allows you time to establish a positive payment history.
Brands Sold At Zebit
Shop over 1,500 brands including:
- Apple
- Ashley Homestore
- HP
- Microsoft
- Nintendo
- Samsung
- Sony
Product Categories At Zebit
Shop over 80 categories including:
- Appliances
- Audio
- Auto
- Beauty
- E-Gift Cards
- Electronics
- Furniture
- Grocery
- Health
- Home
- Jewelry
- Kids & Baby
- Kitchen & Dining
- Men
- Sports & Rec
- Toys
- Video Games
- Women
Step 3: Pay Over 6 Months
Your payment frequency will be determined by how often you get paid. For example, if you are paid every two weeks, you will have 12 installments over the next 6 months.
Zebit FAQs
Below are some frequently asked questions about this buy now pay later service.
Zebit verifies income by looking at public records and data sources. This helps to ensure that people can afford to make their payments on time.
There is no minimum income requirement. However, people must be able to afford to make their payments on time.
There is no minimum credit score. However, people must have a good financial history and be able to afford to make their payments on time.
No, they do not do a credit check.
No. In fact, people who use Zebit can actually improve their credit score by making their payments on time.
Yes, Zebit is a legit company. They are a buy now pay later service that can be used for a variety of different purchases.
Their customer service number is 1-888-848-8756.
You can also reach them by email at help@zebit.com.
If you don’t pay, you will be charged a late fee. Additionally, your account may be sent to collections.
There is no catch. They are a legitimate company that offers a unique buy now pay later service.
Yes, it is safe. They are a legitimate company that offers a secure buy now pay later service.
There are a few companies that offer similar service, such as Afterpay and Klarna.
They are different from other buy now pay later companies because they do not require a credit check.
Conclusion
Zebit is a great way for people to manage their finances and make purchases without having to worry about coming up with the money upfront. For people who are looking for a unique buy now pay later option, this is a great choice.
