About Zebit USAA connection,
not a lender.
zebitusa.com does one job: send your request for $200 to $5,000 to licensed lenders and pay-over-time providers, and show you every offer with the same four numbers on it. You pick one, or none. This page is who we are, how we're paid, and what we refuse to do.
Borrowing should look like shopping, not like begging. You see the price, you compare, you decide.
The price of a loan is one number — the total you'll repay — and it belongs on the first page, not the last.
If something cheaper exists, we should say so, even when it costs us the referral.
That's the whole philosophy. Everything else on this site — the calculators, the comparisons, the alternatives page, the plain-English state notes — is just those three sentences applied.
How we're paid — and by whom
Lenders pay us when a borrower we refer takes a loan. You pay us nothing. That fee is the same regardless of which offer you choose, so we have no reason to steer you.
You
$0No fee to apply, see offers, decline them, or ask us anything.
zebitusa.com
One requestSent to lenders licensed in your state. Offers shown side by side.
Lenders
Referral feePaid to us only when you accept an offer and the loan is made. Does not change your APR or terms.
Full compensation disclosure, lender relationships and the not-a-lender statement are in our disclosures, which repeat in every footer.
What we don't do
- Lend moneyThe lender funds the loan, sets the APR and collects payments. Our name isn't on your agreement.
- Make credit decisionsLenders approve or decline using your income, bank history and state rules.
- Charge borrowersNot to apply, not to "unlock" funds, not for support. Anyone who asks isn't us.
- Sell your request to the highest bidderIt goes to licensed lenders that can serve your state — and you can opt out of further sharing.
- Say "guaranteed approval" or "no credit check"Neither is true of any legitimate lender, so neither appears on this site.
- Pretend to be the old ZebitSee below. We share a name and a product category; we don't share a company.
How the numbers on this site are made
- Every figure has a source or a formulaPayments use the standard amortization formula at a stated APR; comparison costs cite the CFPB, NCUA or FTC; cost ranges name the kind of survey they came from.
- Representative means representativeOur example — $2,500 at 35.99% for 12 months, $251.17 × 12, $3,014 — is repeated unchanged everywhere, and we say when lenders charge more.
- Third parties are described as they describe themselvesOld Zebit, Perpay, Affirm and others: public terms, dated, hedged, not affiliated.
- Dated, and re-reviewedPages carry a last-reviewed date and are checked when rates, laws or products move — not once a year.
- Alternatives come first when they're cheaperCredit-union PALs, hospital plans, 211. Written up before our own product, on purpose.
- Reviews are real or they're not publishedCollected after the fact, unpaid, negatives kept. Nothing invented.
The Zebit editorial team
A small team that has spent years inside consumer lending — on the lender side, the compliance side and the borrower-advocacy side — writing the pages we wished existed when we were explaining loans to family. We don't put individual bylines on YMYL finance content; we put our standards, our sources and our review dates on it instead, and we answer for every page at [email protected].
Two Zebits, one word
Zebit, Inc. ran Zebit Market, a buy-now-pay-later shopping site, until it stopped serving customers in 2024. We operate zebitusa.com, a loan-connection service. Same word, different company — and we say so on every page.
Zebit, Inc. · Zebit Market
San Diego company. Closed online store: buy from its catalog, pay over six months at 0% with a down payment. ZebitLine credit of roughly $200–$2,500.
Stopped serving customers in 2024. Not affiliated with us; we have no access to its accounts.
Zebit USA · zebitusa.com
Loan-connection service. One request to licensed lenders and pay-later providers; cash to your checking account or financing at retailers you choose. $200–$5,000.
Active. Paid by lenders, never by you. Disclosures in every footer.
Asked about us
Who owns zebitusa.com?
zebitusa.com is owned and operated by Zebit USA, a loan-connection service. We are not a lender and not affiliated with Zebit, Inc. Legal entity details and our business address are in the disclosures.
Which lenders are in your network?
State-licensed installment lenders and pay-over-time providers. The specific lender making you an offer is named on the offer and on your agreement, and you can verify its license with your state regulator before signing. Loans by state
Why trust a site that's paid by lenders?
Check what we do with the conflict: the fee is the same whichever offer you take; alternatives that pay us nothing get their own page; and every offer shows the total of payments so you can walk away. How to verify us
Can I work with you?
Lenders licensed in U.S. states who want to join the network, and journalists with questions, can write to [email protected] with "Partnerships" or "Press" in the subject. Contact
See the offers for yourself
Soft check, every cost printed, and no hard feelings if you decline them all.
Checking your rate does not affect your credit score.