For those with little to no credit, Zibby is a simple lease-to-own payment option. Pay the same as cash if paid off within the first 90 days and every month, you can choose to continue making payments or pay off your balance at any time. Apply now or when you shop.

How to shop with Zibby


Get Pre-Approved with Zibby

Simply Get Pre-Approved

Complete the quick application and receive an instant decision.

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Choose Zibby At Checkout

Select Zibby as your payment method. Follow the simple application steps to finalize your purchase.
If you are already pre-approved, all you will need is your mobile number and the last 4 digits of your SSN/ITIN.

Pay Monthly

You will make your first payment by debit or credit card when you checkout, and Zibby will automatically set you up on automatic payments. Zibby will send you a confirmation and reminders via email and text message.

Pay Monthly

You will make your first month’s payment when you checkout with GhostBed and Zibby will automatically set you up on automatic payments. Zibby will send you reminders and confirmation via email and text messages.

Zibby

Pay monthly for the items you need today.
No credit required