Zebit vs Perpay — and what's actually on offer today
People who shopped at Zebit Market compare it to Perpay more than to anything else: both let you buy from a catalog and pay over time without good credit. One is gone. Here's how they line up, and where the loans and pay-later plans on zebitusa.com fit.
Zebit Market
Closed online store. ZebitLine of $200–$2,500, 0% over six months after a down payment. Run by Zebit, Inc. — not us.
Perpay
Online marketplace paid through payroll direct-deposit splits. No interest; prices run above retail; reports to the credit bureaus.
Three columns, honestly
Perpay and Zebit, Inc. described as they describe themselves publicly, as of Oct 2026. Not affiliated with either. The third column is us.
Perpay details from its public site and app listings; terms change — verify there before deciding. More brands compared · What happened to Zebit
"0% interest" isn't "0% cost"
Marketplace models — Zebit Market then, Perpay now — charge no interest because the margin is in the price. The same TV can cost 20–40% more than at a big-box store. That's not a scam; it's how the model funds itself. But it belongs in the comparison.
A $600 TV at a 30% marketplace markup
Interest-free, paid over months. Effective cost of credit: $180.
The same TV, bought anywhere with our BNPL
Down payment plus six payments at 0% on time. Cost of credit: $0 — if every payment clears.
The same TV with a 6-month installment loan
$111/mo at our representative 35.99% APR, $665 total. Cost of credit: $65 — and you choose the store and the price.
Markup illustrative; marketplace prices vary by item. Loan figures at 35.99% APR, 6 months: $600 → $110.76/mo, $665 total. Calculator
Who each one suits
Perpay suits you if
- You're paid by direct deposit and can split it
- You want purchases reported to the bureaus
- You're fine paying above retail for interest-free
An installment loan through us suits you if
- You need cash — a bill, a repair — not an item
- You want to shop anywhere at the real price
- You want a fixed end date and no prepayment penalty
Our BNPL suits you if
- It's one item from $200 to $2,500
- You can clear six payments on time for 0%
- You'd rather not split your paycheck
Asked by former Zebit Market customers
Is Perpay the same as Zebit?
No. Perpay is a separate, active company with a payroll-deduction marketplace. Zebit Market was Zebit, Inc.'s store, which stopped serving customers in 2024. Neither is affiliated with zebitusa.com.
Is Perpay legit?
Perpay is an established, operating company. As with any marketplace model, compare its item prices with retail before buying — the "free" credit is paid for in the price. We're not affiliated and don't earn anything from mentioning it.
Can I move my old Zebit account to Perpay or to you?
No account transfers exist in either direction. Perpay requires its own application; zebitusa.com sends a fresh request to lenders. Neither can see your Zebit Market history. Old Zebit accounts
Which builds credit better?
Perpay reports to the bureaus through its Perpay+ program. Many lenders in our network report installment loans — ask before signing; the agreement states it. An installment account paid on time generally adds more to a thin file than a marketplace line. Building credit
See what lenders can offer you
Soft check, real offers with every cost printed — and the store, and the price, are yours to choose.
Checking your rate does not affect your credit score.