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Frequently Asked Questions About Zebit

Find answers to the most common questions about Zebit pay later shopping. If you cannot find what you are looking for, contact our customer support team for personalized assistance.

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Account Management

How do I check my account balance?▼
You can check your account balance by logging into your Zebit account online. Your dashboard shows your current balance, available credit, upcoming payments, and complete payment history.
Can I increase my credit limit?▼
Credit limit increases may be available after establishing a positive payment history. Making on-time payments and keeping your account in good standing are the best ways to become eligible for a higher limit over time.
How do I update my payment method?▼
You can update your payment method by logging into your account and navigating to payment settings. Make sure your new bank account is verified before your next payment date to avoid any interruption.
What if my application is denied?▼
If your application is denied, you will receive information about the reason. Common reasons include insufficient income, incomplete information, or residing in a state where we do not operate. You may reapply after addressing the issues or after a waiting period.

Security & Privacy

Is my personal information secure?▼
Yes, we use bank-level encryption and security measures to protect all personal and financial information. Your data is stored securely and transmitted using industry-standard encryption protocols.
Do you sell my information to third parties?▼
No, Zebit does not sell your personal information to third parties. Your data is used solely for processing your application, managing your account, and providing our services as described in our privacy policy.
Why do you need my bank account information?▼
We link your bank account for two purposes: to verify your income during the application process and to set up automatic payments for your purchases. This ensures smooth, on-time payments throughout your financing term.

General Questions

What is Zebit and how does it work?▼
Zebit is a pay later shopping service that allows you to purchase products and pay over time with fixed monthly payments. Apply for free, get approved, shop from our marketplace of thousands of products, and pay in affordable installments aligned with your payday.
Does applying for Zebit affect my credit score?▼
No, applying for Zebit does not perform a hard credit inquiry that would affect your score. We may perform a soft credit check during the application process. However, once you make purchases and begin payments, your payment history may be reported to credit bureaus.
How much can I qualify for with Zebit?▼
Zebit offers credit limits from $500 to $5,000 depending on your individual qualification. Your limit is determined by factors including your income, employment stability, and banking history. You will see your approved limit after completing the application.
What are the eligibility requirements?▼
To qualify for Zebit, you must be at least 18 years old, be a U.S. resident, have a verifiable source of income, possess an active checking account, and live in one of our 42 service states. A valid email and phone number are also required.
What states does Zebit serve currently?▼
Zebit currently serves customers in 42 states across the United States. During the application process, you will be notified if service is available in your state. We continue expanding our coverage to reach more customers.

Payments & Billing

What is the APR for Zebit financing?▼
Zebit APR ranges from 0% to 35.99% depending on your creditworthiness and the specific terms of your purchase. Your exact APR will be clearly displayed before you finalize any purchase so you can make an informed decision.
How are my payments scheduled?▼
Payments are scheduled to align with your payday for easier budgeting. Whether you are paid weekly, bi-weekly, or monthly, we can set up your payment schedule to match. Payments are automatically withdrawn from your linked bank account.
Can I pay off my purchase early?▼
Yes, you can pay off your balance early at any time without prepayment penalties. Paying early may reduce the total interest you pay. Log into your account to make additional payments or pay off your remaining balance.
What happens if I miss a payment?▼
If you miss a payment, late fees may apply and it could affect your credit if we report to credit bureaus. If you anticipate difficulty making a payment, contact our customer service team beforehand. We may be able to work with you on a solution.
Are there any hidden fees I should know about?▼
No, Zebit believes in transparent pricing. All costs including the purchase price, finance charges, and total amount due are clearly displayed before you complete any purchase. There are no hidden fees, annual fees, or surprise charges.

Shopping & Products

What products can I buy with Zebit?▼
Zebit offers thousands of products across categories including electronics, furniture, appliances, home essentials, garden and outdoor items, and much more. Browse our marketplace to see our full selection of available products from top brands.
Do I own the products from day one?▼
Yes, unlike rent-to-own programs, you own your Zebit purchases from the moment they are delivered. You are simply financing the purchase and paying over time. The products are yours even while you are making payments.
How long does shipping usually take?▼
Shipping times vary by product and your location. Most items ship within one to three business days and arrive within five to ten business days. Large items like furniture and appliances may take longer. Tracking information is provided for all orders.
What is your return policy?▼
Return policies vary by product category. Generally, unopened items in original packaging can be returned within 30 days. Certain items like mattresses and personalized products may have different policies. Check the specific product page for return details.
Are the products new or refurbished?▼
All products sold through Zebit are brand new unless specifically listed as refurbished or open-box. Product condition is always clearly indicated on the product page before purchase.

Support

How do I contact customer support?▼
You can reach our customer support team by phone at 1-555-924-2848 or by email at [email protected]. Our team is available to help with account questions, order issues, and any other concerns.
What are customer support hours?▼
Our customer support team is available Monday through Friday from 8:00 AM to 8:00 PM Eastern Time, and Saturday from 9:00 AM to 5:00 PM Eastern Time. We are closed on Sundays and major holidays.

Still Have Questions About Zebit?

Contact our friendly customer support team or start your application to see if you qualify.

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