Every review here is from someone who completed a request through zebitusa.com. We publish the critical ones too — read those first.
Two offers had almost the same monthly payment but $300 apart in total of payments. That number being right there is the reason I used this instead of the payday place by my work.
Signed around 2 in the afternoon, the deposit was there before I left for work the next morning. Transmission on a 2014 Civic — back on the road by Friday.
Soft check was real — my score didn't move. The 35.99% stung but it was printed on the first page and the payday loan I almost took was 390%. Paying it off early, no penalty, so four stars.
I'd been burned by a "processing fee" site before. Here the only money that moved was the deposit into my account. Support answered my email about the first payment date in about two hours.
Ran the numbers, decided to ask my credit union instead, and the alternatives page is literally what told me to. No pressure, no follow-up calls. That's rare.
Dog swallowed a sock on a Sunday. Applied from the clinic parking lot, one offer, signed, funded Tuesday morning. $148 a month I can actually plan around.
Everything worked as described. My complaint: the first payment hit 23 days after funding, not 30, because of how the lender lines up with payday. It was in the agreement — I just didn't read that line. Read that line.
I'm 22 with basically no credit history. Lenders looked at my direct deposits instead. Lender reports to Experian so this is also my first installment account.
Three minimums at 27–29% became one $295 payment over 24 months. Not magic, just math I could finally see on one page.
Not quite the "upload nothing" I expected — the lender wanted a 60-day statement because I'm self-employed. Took an extra day. Otherwise smooth and the rate was fair for my situation.
Took 12 months for the lower payment, got a bonus, paid the rest off early. Interest stopped the day I did. Exactly what the rates page said would happen.
Two recent overdrafts. The email said that plainly instead of a vague "not at this time," and suggested re-applying after 30 days. I did, and got an offer the second time.
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Seeing the whole cost on one line, before signing, is the single most-cited reason for choosing an offer.
Most reviewers who signed before mid-afternoon report the deposit by the next business morning.
Especially on loans under $1,000. Our honest answer: it's printed up front, and payday alternatives cost far more.
Self-employed borrowers are most likely to be asked for a bank statement, adding about a day.
Share of reviews that mention each theme, from our reading of review text. Not a scientific survey.
Email us with the subject line Review. Include your first name, last initial and state, whether you took a loan, and what you'd tell a friend. We'll confirm it against your request and publish it as written.
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Reviews on this page come from borrowers who completed a request through zebitusa.com and were invited by email after funding or after declining offers. We publish positive and negative reviews alike, do not edit the text beyond removing personal data, and never pay for reviews.
Zebit USA. Reviews of Zebit, Inc.'s former shopping platform live on third-party sites and describe a different product that stopped serving customers in 2024. What happened to Zebit
After a request you'll receive an email invitation. You can also email [email protected] with the subject line Review; include your first name, last initial and state, and whether you took a loan.
The APR on smaller loans, and the first payment arriving sooner than expected. Both are on the offer before you sign — read the total of payments and the first payment date, not just the monthly figure. Rates & fees
Three minutes, a soft credit check, real numbers. And an email a week later asking what you honestly thought.
Checking your rate does not affect your credit score.