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Pay monthly. No credit needed.

Zibby's lease-to-own option lets you pay monthly for the items you want today

Pay monthly
Sometimes paying up-front isn't always an option. Lease with Zibby and pay monthly.
No credit needed
We've built insightful underwriting tools to tell us what we need to know without pulling your FICO score.
Easy to use
Apply for Zibby at checkout online, or in-store with select retailers
Get approved in 3 minutes or less, faster for returning users
Retailer fulfills your order, just as if you'd paid in-full
Buyout anytime
Pay the buyout price to receive ownership at any time, and the price gets lower after each monthly payment.
You can return the items at any time before your next monthly payment without consequence or hidden fees.
Real-time support
Our friendly service team is available to answer your questions over chat, email, or phone.