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Zebit Buy now Pay Later Services Closetsamples
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Buy now, pay later services allow you to make expensive purchases with low monthly payments. Zebit offers spending limits as high as $2,500 and the ability to pay for goods for six months interest-free. No credit check is required to shop in this online marketplace featuring over 175,000 products. 
 
Zebit is an online marketplace specializing in buy now pay later (BNPL) payment plans. Shoppers can receive items after making an initial payment and pay off the remaining balance over the next six months. You don’t need a credit card or a minimum credit score to qualify for a Zebit account. Instead, the platform verifies your income history to determine your shopping limit (up to $2,500).
 
Next, you can start shopping for items from many product categories, including:
  • Beauty
  • Electronics
  • Fashion
  • Fitness
  • Food
  • Furniture
  • Gift cards
  • Home and decor
  • Kitchen
 
It’s free to shop, and you only pay fees when you purchase.   BNPL services are one of the most popular shopping services and are the digital equivalent of layaway plans that brick-and-mortar retailers like Walmart, Kmart, and others used to offer. They can help you buy expensive items with small payments, but your total fees can be higher than just buying the product by paying the whole amount up front if you have the cash. 
 

Who Can Use Zebit?

You must be at least 18 years old and live in the United States to shop with Zebit. In addition, a steady income is necessary to qualify for a higher shopping limit.  You may consider shopping at Zebit if you need to make a large purchase greater than $100 but don’t have enough funds to pay for the entire transaction upfront. Unfortunately, Zebit currently isn’t available in Washington, D.C. 
 

How Does Zebit Work?

It’s free to join Zebit and shop, and you only pay when you’re ready to buy something. Here is a step-by-step look at how the shopping process works.
 

Qualify for a Zebit Line

The first step is creating an account and qualifying for a Zebit Line spending limit. The maximum limit is $2,500, but your line amount will likely be lower. The average limit is between $1,000 and $2,500, according to Zebit. For example, if your Zebit limit is $1,000, you can buy up to $1k in goods. You must pay off your existing balance to restore your limit to its maximum amount. This platform can be an excellent alternative to a no credit check loan as you can have a more flexible repayment term and potentially lower fees.  Zebit analyzes your annual income and performs a soft credit check to determine your spending limit. This soft credit inquiry won’t hurt your credit score. Before making a purchase, Zebit may also perform another soft credit check to verify that your financial conditions haven’t changed before processing your order.
 

Make a Purchase 

You can buy one or multiple items from the diverse product catalog. In addition, the service lists your total price and repayment options.  One benefit of using Zebit is its transparent pricing. You can see your minimum down payment and total purchase price (including item cost, sales tax, and shipping & handling).  As a result, it’s also easier to predict your total out-of-pocket expenses versus payment programs or credit cards that charge interest. Your entire cost can depend on how long you carry a balance with these programs. However, the product prices are noticeably higher than other online shopping sites. Always compare prices with at least one or two different stores.  
 
Zebit is usually more expensive as they buy items at wholesale price and charge a premium to make a profit and offset potential losses when shoppers don’t complete every payment. The higher prices can be one downside of no credit check. 
 

Shipping Speeds

You can expect to receive your items within 7-10 business days after making your initial payment. Digital eCertificates (digital gift cards) deliver within 4-8 hours.  If your order contains multiple items, you may receive several shipments as each product supplier may use a different warehouse. 
 

Repayment Period 

After the shopping site approves your order, your item ships after making the initial down payment with a credit card or debit card. Your upfront charge is approximately 25% of the total purchase price.  You will make biweekly, weekly, or monthly payments for the next six months. The payment schedule can vary by item and your income history. After paying for the entire purchase, your spending limit returns to its usual amount.
 
It’s also possible to pay the whole amount upfront. However, as the Zebit selling price can be higher than other retailers, you may use a cashback site to find the lowest price. If you don’t complete every payment, you can keep the item but may not be able to make future purchases on the marketplace. 
 

Refund Policy

All sales are final, and you cannot request a refund or exchange an item if you experience buyer’s remorse or the product doesn’t meet your expectations. It is possible to request a refund or replacement for damaged items. You must notify Zebit within ten days of receiving your product to file a claim in these situations. 
 

Pros

  • No hidden fees or interest charges
  • No credit check required
  • Over 175,000 products for sale
  • 6-month payment plans
 

Cons

  • High prices
  • Shipping fees on most purchases
  • Won’t improve your credit score
  • No returns or exchanges
 

The Bottom Line on Zebit

Zebit can be a cheaper option than other buy now pay later and rent-to-own services selling electronics, fashion items, and home goods on your shopping list. Dealing with Zebit won’t affect your credit score, which can be good or bad depending on your credit goals. While this site makes it convenient to buy expensive items, the high prices and easy repayment plans can make it easy to overspend. So before hitting the “buy” button, consider your spending limit and compare prices to get the items you need without hurting your wallet.
 
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