A payment option that works for you and doesn't break the bank

Electronics, furniture, appliances, bedding and more with no credit required

Here's why you'll like us

  • No credit required
  • 60 second application
  • Instant approvals up to $3,500
  • Online and in-store merchants
  • Checkout for only $45
  • Flexible payment options
  • Pay off when it works for you
  • A+ security

Shopping with Zibby is simple

After checkout, take your items home or have them shipped. We’ll keep in touch and remind you of any upcoming payments.

Zibby couch

How it works

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Apply for a spending limit

All we need is a few basic pieces of information to approve you for up to $3,500, instantly!

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Shop online or in-store

Zibby partners with retailers who sell furniture, appliances, electronics, mattresses, jewelry, automotive items and more.

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Checkout with Zibby

We’re able to match you with a comfortable payment plan that aligns with your budget and pay dates. With only $45 out of pocket, you get to take your items home or have them shipped immediately.

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Pay over time & enjoy your items!

You’ll make recurring payments to Zibby with the option to pay off at any time. You own the items once you pay off or complete your lease. The sooner you pay off the more you save!

Manage your account from anywhere

From making a payment to paying off your lease, we’ve designed your experience to be as simple as ever.

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Partnered with the best

“This was perfect for me! Never knew retailers had this option (except for paypal) until now. Thank you for giving me the spending power to make this happen, otherwise I probably would have never made a purchase.” – Scott H

You're probably wondering

Zibby offers a simple, straight-forward lease-to-own payment option to help you acquire durable goods from top retailers. These include electronics, appliances, furniture, musical instruments, and more.

  • A valid mobile phone number that can receive SMS text
  • A valid US address
  • A valid Social Security or Taxpayer ID Number (ITIN)
  • A valid email address
  • A valid credit or debit card to make payments (no prepaid or gift cards)
  • A valid photo ID showing you are 18 years of age or older

Lease-to-own means that you make recurring payments for the use of the products you have selected. You have no long term obligation to continue leasing, and can return the product to Zibby at any time with no further obligation other than for amounts past due.

In addition, you have several options to acquire ownership of the product you are leasing. A Zibby lease offers flexibility that may make it more attractive than financing. With each payment, you have the option to continue leasing, buyout, or return your items.

Before pre-approval
You can apply at any of our partner stores online and/or in-store. If approved, you will be provided with an available Zibby limit that can be used to lease a product.

After pre-approval
For qualified products, you may get a Zibby lease in a few simple clicks.

  1. Select the Zibby button on the checkout page
  2. Enter a few pieces of information to verify your identity and payment information
  3. Receive an instant decision
  4. Review and submit your order and the retailer sends you the products!

We’ll send you a welcome email that gives you access to your account, customer service, and more.

In addition, you have several options to acquire ownership of the product you are leasing. A Zibby lease offers flexibility that may make it more attractive than financing. With each payment, you have the option to continue leasing, buyout, or return your items.

Real humans. Real solutions.

If you have any questions please feel free to reach out to us.