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.

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.

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.