# Zebit — Need it? Get it with Zebit

> Buy now, pay later for top brands with 6-month installments and no hidden fees. (iPhone/iPad app by Zebit, Inc..)

- Source: https://appshunter.io/ios/app/zebit/id1574137193 (this page in markdown: same URL + `.md`)
- Developer: [Zebit, Inc.](https://appshunter.io/developer/1028056829)
- Category: Shopping, Finance
- Price: Free
- Rating: 3.00/5 from 102 App Store ratings · 36 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 23 MB
- Languages: American English
- Released: 2021-09-22
- Data updated: 2026-06-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/zebit/id1574137193/reviews.md

## What is Zebit?

Shop thousands of top brands where you can buy now and pay later with no hidden fees.

Better than Lease-to-Own and Rent-to-Own. You could get approved for a max of $1,500 in credit to shop now and pay over 6 months. The price at checkout is what you’ll pay and not a penny more.

Shop product categories including Electronics, eGift Cards, Home & Décor, Jewelry, and more!

How Zebit Works:
1) Download & apply for a Zebit Spending Limit (we don’t check your FICO® score)
2) Shop top brands and choose an item
3) If approved, make a down payment
4) Your item ships and you pay the remaining balance over 6 months

HUGE SELECTION OF TOP BRANDS
Zebit brings top brands to you in one central marketplace. Shop the latest trends in Apple, Samsung, Sony, Nintendo, furniture, jewelry, eGift cards, appliances, tires and more. The best part? There are new products added every month.

PAYMENTS THAT FIT
Why pay in full when you can pay over time for no added cost? Pay for purchases over 6 months without hidden fees, penalties, or “gotchas.” Payments are due based on when you get paid, whether its every two weeks, weekly, semi-monthly or monthly. So, ditch those higher-cost credit alternatives and 4-week pay later options — Zebit is the better way to pay.

MANAGE YOUR ACCOUNT
Use the Zebit app to view your current and past orders, payment history as well as make payments all on the app. You can also view your Spending Limit balance and learn ways to increase your Spending Limit.

Need it? Get it with Zebit.


KEY TERMS:
Most approved customers receive $750-$1,500 for an initial Spending Limit. Zebit has a two-step underwriting process. Zebit verifies your identity, income, and/or employment, to allocate an initial Spending Limit as conditional credit for you to shop, and then we underwrite every purchase attempt at checkout.

Financing terms for $1,000 item: Make a 30% down payment of $300.00. $700.00 is financed at 0% APR for 6 months. This is a representative example. See your Retail Installment Contract for details. Purchasing an electronic certificate today or over time will carry an 18% handling fee. So a $200 valued gift card costs $236. Zebit will verify information using certain specialty credit reporting agencies which does not affect your FICO® score. Zebit’s prices may differ than other retailers’ prices. Compare before you shop. Not all customers will be approved for credit.

FICO® is a registered trademark of Fair Isaac Corporation

## Key features

- Buy now, pay later financing
- No FICO score check for approval
- 6-month payment plans
- Shop thousands of top brands
- Manage orders and payments in-app
- No hidden fees or penalties

## Recent user reviews (10 of 36)

All indexed reviews: https://appshunter.io/ios/app/zebit/id1574137193/reviews.md

### 2/5 — Important information

*2024-06-07*

Love the app but only really Good for when your down and out but still need to make a purchase because the interest and fees on items sometimes is ridiculous. You might be better of using klarna or affirm and pay less over time.

### 2/5 — site down for months ??

*2023-12-16*

I've used this site for years .. Recently i haven't been able to check out its said site maintenance for a few weeks now and now i'm unable to log in

### 1/5 — Site is shutting down

*2023-11-05*

Do not get this app.. Zebit is going out of business. 8 months ago they stopped selling E-giftcards saying it would be selling them “soon” EIGHT MONTHS AGO… Now you can’t complete a sale on the site for the last 2 months when you go to checkout it states purchasing is down and will be back up shortly… THAT WAS TWO MONTHS AGO. DO NOT BOTHER WITH THIS SITE

### 2/5 — Down?

*2023-10-21*

Love the site. Love the process. I’ve been using them for years. What I don’t love right now is the fact that I keep getting emails for amazing sales and offers but I can’t check out. I can’t do anything on the site to make any purchases and I haven't been able to for months. “Site Maintenance” is acceptable with some information being shared with people who actually enjoy using this site. 

The fact that support told me “yes it’s down and we don’t know anything else” doesn’t really work with me. Holidays are coming up and I’d really love to buy things.

### 2/5 — App not working

*2023-09-26*

I’ve used Zebit for years now and loved it. But for the last few weeks the app is not working. I’ve removed and reinstalled and that didn’t work. I sent an email to their support team however, I’ve seen their vendor’s response time from other companies and their not helpful. I rated 2 stars since app isn’t working but if they fix it I’ll gladly change it as it is a great service/company

### 3/5 — It was great

*2023-09-20*

Zebit was great until they just suspended purchases and the support team didn’t respond till almost a week to give you an answer. I’m not sure when it’ll be back up and running but right now can’t even use the app. Very disappointed

### 3/5 — Wishing

*2023-09-08*

I used this site for the gift cards to help with expenses. Unfortunately the site has taken them down and I’ve been told that they don’t know when they will bring back e-gift cards. It was really helpful. I’ll just pay what I owe and hopefully they’ll return the gift card section.

**Developer response:** Thank you for your review. Unfortunately, we do not have a specific timeframe as to when eCertificates will be available for purchase. Once our site is updated, we will send out emails to notify our customers. We apologize for any inconvenience.

### 1/5 — Not a Fan a waste if time

*2023-05-16*

I have an alert that said i was approved for $1500 I attempted to place an order and it was i was not approved for the following reasons. Which makes no sense. then locked my acct

•	 	Application source and underwriting risk.
•	 	Shopping behavior indicates risk.
•	 	Characteristics of payment mechanism used.

**Developer response:** Zebit’s Registration Agreement explains that the granting of any credit during registration is not a guarantee that credit will be granted when an attempt to purchase is made as each purchase is a separate extension of closed-end credit subject to internal underwriting policies. We apologize for the disappointment this has caused. Should you have any additional questions, please email us at help@zebit.com

### 1/5 — Fico Score

*2023-05-15*

They say they don’t pull fico score either you have to have a certain amount of income to get approved or something I clearly make over $45k a year and can prove it if they asked. However I was immediately declined so it most definitely pulls a credit score even if it’s not (FICO) as they say

**Developer response:** Zebit does not require a FICO score to qualify for credit to shop. Instead, we look at various factors from the specialty credit reporting agencies and our own criteria to determine eligibility. You can find additional information in our Transparency Pledge: https://zebit.com/transparency-pledge/

### 4/5 — Emails bombardment

*2023-03-13*

Notification settings would be a nice feature.

**Developer response:** Thank you for your feedback. We will pass this along to our IT department. Please don't hesitate to contact us at help@zebit.com if there is anything we can assist you with.

## Frequently asked questions about Zebit

### What is Zebit?

Zebit is a shopping app that allows you to buy now and pay later for products from thousands of top brands. You can get approved for a spending limit and pay for your purchases over 6 months with no hidden fees, penalties, or interest. It offers an alternative to traditional credit options.

### How does Zebit financing work?

After downloading the app and applying for a spending limit (which doesn't check your FICO score), you can shop for items. If approved, you'll make a down payment, and your item will ship. You then pay the remaining balance over 6 months, with payment due dates aligned with your pay schedule.

### Are there any hidden fees or interest charges with Zebit?

Zebit advertises no hidden fees, penalties, or 'gotchas.' The price you see at checkout is what you'll pay. However, it's important to note that purchasing electronic certificates may carry an 18% handling fee, and Zebit's prices may differ from other retailers.

### What kind of products can I buy with Zebit?

You can shop a wide selection of products from top brands, including electronics, eGift Cards, home décor, jewelry, appliances, tires, and more. New products are added monthly to their marketplace.

### Can I manage my account and payments through the app?

Yes, the Zebit app allows you to view your current and past orders, track your payment history, and make payments directly. You can also check your spending limit balance and learn how to potentially increase it.

## Version history (last 5 releases)

### 2.1.16 — 2023-08-30

- Enhanced registration process.
- Various fixes for performance and reliability.

### 2.1.13 — 2023-06-29

App updates for performance and security.

### 2.1.10 — 2023-06-29

Patch updates for app performance and reliability.

### 2.1.9 — 2023-04-24

Enhancements for performance and app stability.

### 2.1.7 — 2023-03-26

Complete rebuild of the app rebuilt the app to improve its performance and user experience.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*