1. What this service is
zebitusa.com is owned and operated by Zebit USA ("Zebit USA", "we", "us"). We provide a free loan-connection (lead-generation) service: when you submit a request, we transmit the information you provide to one or more lenders and pay-over-time providers in our network that operate in your state ("Lenders"), who may make you an offer. We also publish educational content about consumer credit.
Using this site does not guarantee that you will be connected with a Lender, receive an offer, or receive any particular amount, rate or term.
2. We are not a lender
Zebit USA is not a lender, does not broker loans to lenders in the licensed-broker sense, does not make credit decisions and does not originate, fund, service or collect loans. The Lender whose offer you accept is the party to your loan agreement; it sets the APR, fees and schedule, funds the loan, and collects payments. Lender contact details appear on your offer and agreement. Zebit USA has no control over, and does not guarantee, any Lender's decisions, terms or conduct.
3. How we are paid
Lenders pay Zebit USA a fee when a consumer we refer is connected with them and, in some cases, when a loan is made. You never pay Zebit USA anything — not to apply, see offers, decline offers, or for support. Lender compensation does not change the APR, fees or terms a Lender offers you, and it is the same regardless of which offer you choose. Lenders in our network are selected for licensing in the states they serve and agreement to our responsible lending pledge, not for the fee they pay.
4. Representative example
Installment loan: $2,500 borrowed for 12 months at 35.99% APR = 12 monthly payments of $251.17; total repaid $3,014; finance charge $514. No origination fee in this example.
APRs offered by Lenders in our network range from 5.99% to 35.99% for most borrowers; some Lenders, particularly for amounts under $1,000 and for borrowers with limited credit history, offer APRs above 35.99%. Loan terms range from 3 to 24 months. Pay-over-time plans (Buy Now, Pay Later; Pay in 4) in our network charge 0% APR when every payment is made on time; late fees are set by the provider within state limits. Lease-to-own agreements are not loans and have no APR; their cost is the total of lease payments, disclosed in the agreement.
Every figure on this site that is described as a payment, total or interest amount is calculated from the stated amount, term and APR using standard amortization, rounded to the dollar unless shown with cents.
5. Credit checks
Submitting a request through zebitusa.com results in a soft credit inquiry by Lenders, which does not affect your credit score and is not visible to other lenders. A Lender may perform a hard inquiry, and verify your information through consumer reporting agencies or alternative data providers, only after you accept its offer and before finalizing the loan. Zebit USA does not access your credit report.
We do not use the phrases "no credit check" or "guaranteed approval" because they are not accurate descriptions of any Lender's process.
6. Availability and amounts
Requests may be submitted for $200 to $5,000. Not every Lender offers every amount, and not every applicant will be connected with a Lender or receive an offer. Lenders in our network do not operate in every state; see loans by state. Amounts, APRs, fees, minimum terms and availability are governed by the law of the state in which you reside and are determined solely by the Lender.
7. Loan terms, late payments and renewals
All loan terms are presented by the Lender under the federal Truth in Lending Act before you sign, including APR, finance charge, amount financed, total of payments and payment schedule. Installment loans in our network carry no prepayment penalty. Late and returned-payment fees are set by the Lender within state limits and stated in the agreement. Lenders may report payment history to consumer reporting agencies; late or missed payments may be reported and may affect your credit. Lenders in our network do not offer rollovers; installment loans are intended for short-term needs and are not a long-term financial solution. Consider lower-cost alternatives first.
8. Zebit, Inc. and Zebit Market
zebitusa.com and Zebit USA are not affiliated with, endorsed by, sponsored by or connected to Zebit, Inc. of San Diego, California, or its former "Zebit Market" shopping platform, which stopped serving customers in 2024. We have no access to Zebit, Inc.'s customer accounts, orders or data. Statements on this site about Zebit, Inc., and about other companies named for comparison (including Perpay, Fingerhut, Katapult and Affirm), reflect publicly available information at the date of last review and are provided for comparison only. All trademarks belong to their owners.
9. Content, reviews and advertising
Educational content on this site is general information, not financial, legal or tax advice, and does not account for your individual circumstances. Figures are checked against public sources and dated; laws and rates change. Customer reviews published on this site are collected from borrowers who completed a request through zebitusa.com, are not paid for or incentivized, and are published as written except for the removal of personal data and profanity; negative reviews are not suppressed. zebitusa.com may be compensated as described in Section 3; we do not accept payment for editorial placement or rankings.