Lease-to-own financing for people with low and evolving credit

With Zibby’s lease-to-own program, you can lease the things you want today and pay for it over time. Best of all, you will only pay $45 today at checkout (plus delivery and taxes). Applying takes less than a minute and it won’t impact your FICO score.

Lease financing is a great payment option for people who are credit-challenge, but comes at a higher cost than loan financing. We require an upfront payment of $45 to start your lease and included with this, you have the option to pay the same-as-cash price (plus the $45) if you pay off your item within the first 90 days.

How to shop with Zibby


Get Pre-Approved with Zibby

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 Over Time

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 Over Time

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