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Zebit Personal Loans Review

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Zebit is an online marketplace where consumers can gain access to a line of credit of up to $2,500 to make interest-free purchases on popular items in a variety of categories. The company was founded in 2001 and is headquartered in San Diego, California.
 
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How is Zebit rated?

Breakdown

4.0/5
Flexibility
4.5/5
Interest Rates
4.0/5
Discounts & Fees
4.0/5
Customer Service and Reputation

Overall Rating: 4.1 / 5 (Excellent)

Zebit isn't a typical personal loan provider, but it could be a good fit for you if you are looking to finance purchases from popular retailers and you don't think you can get a loan elsewhere. You don't need good credit to get approved with Zebit and there aren't any origination fees, interest, or late fees to worry about. But make sure you understand how the program works before you sign up and keep in mind that Zebit's prices may be different from traditional retailers' so you could end up paying more for the convenience of having extra time to pay for it.

Zebit Loan Specifics

Loan Specifics - 4.3 / 5

Zebit enables approved members to make up to $2,500 in purchases through its marketplace. Here, you can purchase everything from popular electronics and home decor to beauty products, toys for the kids, and jewelry. You purchase whatever interests you and make a down payment. Zebit gives you 0% APR financing on the rest of it for six months and you must make semi-monthly payments until the balance is paid off. You can always pay it off faster if you're able to do so. One thing worth noting is that Zebit may charge a higher price than other retailers offering the same product, especially for gift cards, so this may not always be your most affordable option. However, if you can't afford to buy the product outright, a few extra dollars may be a small price to pay for the flexibility Zebit can offer you.
Loan Minimum
$128
Loan Maximum
$2,500
Term Length
6 months
Direct Deposit
No
Pay Creditors Directly
No
Credit Insurance
No
Unemployment Protection
No

Zebit Qualification

Qualifications & Flexibility - 4 / 5

Zebit has few qualification requirements compared to most traditional personal loan providers, which is good news if you have poor credit. The company does look at your credit, but it doesn't pull your FICO score and you can still get approved even if your credit is less than ideal. But you must be 18 or older and have a steady source of income. If you have any questions about who qualifies for Zebit, you can always reach out to the company and ask or fill out the registration form on the company's website.
Minimum FICO Score
No FICO score pulled
Personal Income Considered
Yes
Education Requirements
None
Verify Bank Account
No
U.S. Citizen
No
Hard Credit Pull
No. Zebit obtains information about you from certain specialty credit reporting agencies as part of its verification process, but this does not affect your FICO score.

Alternative Factors to Credit Score Considered

Zebit will verify your identity and may validate your income and/or employment when determining your spending limit. You must be at least 18 years old or eligible to enter into a contract.

Zebit Cost of Loan

Costs, Interest Rates, Discounts & Fees - 4.5 / 5

Zebit doesn't charge any hidden fees for its service. Zebit makes money on the products it sells, not on interest. Like most retailers, Zebit sources goods at wholesale prices and sells them at retail prices. Zebit’s products may differ from other retailers’ prices, with some products being more expensive, but the price you see at checkout will always be what you pay and never a penny more. There are no membership fees to you, and you won't pay any application fees, late fees, or penalties either.
APR Range
0%

Zebit Reputation

Customer Service and Reputation - 4 / 5

Type of Institution
Marketplace
Year Founded
2015
BBB Rating
A+
Number of BBB Positive Reviews
108
Number of BBB Negative Reviews
102
Trust Pilot Rating
4.6 out of 5
Consumer Financial Protection Board (CFPB) Complaints
0
Date Collected
2021-01-16
Headquarters Address
9530 Towne Centre Dr., Ste. 200, San Diego, CA, 92121
Homepage URL
https://zebit.com/

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