The ‘Buy Now Pay Later’ option is tempting, yet people feel sceptical about it depending on the supporting platform. For example, you must inspect whether the platform charges you additional fees or how long the repayment period is. According to such terms, Zebit is a convenient site from which you can buy thousands of brand items.
And, the best part is that you need not pay any late or interest fee if you repay with 6 monthly instalments. Other than the credit limit of up to $2500, is Zebit any good?
However, this service is not flawless, as you might find items quite expensive, and you might have to pay extra for handling and shipping purposes.
Are you looking for efficient sites like Zebit with no credit checks? Then, this guide is for you. We have included the best alternatives to Zebit for BNPL advantages.
Additionally, Zebit demands that its users should have a stable source of income. Otherwise, they can’t qualify for Zebit. Let’s review companies like Zebit with e-certificates and how they can help you in Buy Now Pay Later.
1. Afterpay
If you looking for luxurious fashion, beauty, and accessories, then Afterpay might be your destination. This site offers flexible repayment options, just like Zebit. The most eye-catching feature of Afterpay is that you can avail of its benefits for both online and in-store shopping.
This site is operational in the following countries, currently:
- The United Kingdom
- The United States
- New Zealand
- Australia
- Canada
Unlike Zebit, you can link Afterpay to any of your preferable online retailers. To unlock perks from Afterpay for the first time, you can proceed to checkout and choose Afterpay as your BNPL choice. Make sure that you provide all the necessary payment information while checking out.
Go through the key features of Afterpay for a better understanding:
- Afterpay might demand a fraction of the price as a down payment at the time of purchase.
- Next, you need to repay the remaining balance with its ‘pay later’ option.
- Afterpay offers 4 equal instalments for repayment.
- Users need not pay any penalties or additional interests.
- Creating an account with Afterpay requires your name, address, phone number, date of birth, credit card details, and email address.
Afterpay will automatically debit the instalment from your card if you don’t pay it within the due date.
2. FlexShopper
This site, like Zebit, offers you to shop from more than 80000 products. You can literally buy anything, such as branded home appliances, electronics, gardening tools, video games, mattresses, laptops, cameras, and more. FlexShopper mostly makes money through leasing its products. However, you should be 18 or over and be a resident of the US to use FlexShopper.
On the other hand, you should have a reliable source of income. Yet, you can get a spending limit of up to $25000 no matter what your credit score is right now.
Let’s have a sneak peek at FlexShopper’s other benefits:
- You can discover countless new brand items that are eligible to purchase with FlexShopper.
- The app offers a direct deduction payment.
- Applying to FlexShopper is easy, and you must provide your name, date of birth, address, job details, and other necessary information.
- Get a detailed listing of every product and its features on FlexShopper.
- The app might prompt you to repay every week, and the frequency might vary from 7 to 29 days.
- Or, you can opt for an annual repayment plan that makes you pay for 52 weeks.
FlexShopper doesn’t charge any interest over the product price, but you might face late fees if you miss an instalment. Additionally, you might have to pay $50 extra if you select an individual product. You might avoid it by choosing different products at the same time.
3. Overstock
For furniture shoppers, Overstock is a paradise. If you are looking for apps similar to Zebit for your home renovation, then you should try Overstock at least once.
Get designer brands and pay for them later with Overstock’s fascinating features. We bet that you will get the lowest possible price on the internet only through this site.
Let’s check out what Overstock has to offer you:
- Fresh merchandise products such as home décor, furniture, bedding, and more
- The site is open to people who are 18 years old or older
- Overstock doesn’t charge any interest
- The repayment term can be as long as 24 months
- There’s no application fee or processing fee with Overstock
You can get 2 options to get in touch with Overstock. They are the Lease-to-Own and Overstock Store Credit Cards. In addition, you need to provide your Individual Taxpayer Identification Number or Social Security Number to register its services. If you reside in the US, then Overstock might be your new furniture shopping destination.
4. Klarna
Based in Sweden, Klarna is available in other countries and is one of the leading BNPL merchants right now. Get instant BNPL offers and save bucks by checking out via Klarna.
This site offers pay-after options, instalment plans, direct payments, and more. You can avail of both in-store and online purchase facilities from Klarna.
Go through the following key features that Klarna offers as payment solutions:
- Get interest-free 4 instalment settlement from Klarna
- The repayment frequency is every 2 week
- Klarna charges no penalty if you pay within the due date
- Otherwise, you need to pay a late fee of up to $7
- The platform is safe for buyers and sellers
- You can even save and share any product with your friends
- It’s easy to track your shipment through Klarna
However, you must pay 25% of the product price as a down payment. You can pay the rest without any additional interest. Longer-term loans might charge users as high as $35. However, you can discover a handful of loyalty programs on Klarna, like Zebit.
5. Affirm
This site is a financial lender, and you can get instalment loans from it. You can apply for such loans at the point of sale and finance a purchase. This is how Affirm is a better alternative to Zebit.
Let’s check how the Affirm application works:
- As a user, you need to download the Affirm application from the App Store or Google PlayStore.
- Next, proceed to purchase your required items from your favourite retailer.
- While checking out, select Affirm as the payment method.
- Provide all the needed information.
- Notice if Affirm accepts or rejects your request.
Once approved, the app will continue deducting instalments from your bank account or card, as specified. You can avoid hidden costs such as late fees, interests, and additional charges with Affirm. You can opt for 3, 6, or 12 equal instalments to repay your loan.
However, the app determines your credit limit depending on your credit history and experience with Affirm, unlike Zebit. You can stretch your shopping abilities just by making on-time payments on Affirm.
Additional Sites or Apps Like Zebit
Apart from the alternatives mentioned above to Zebit, you can try Zip, Stoneberry, Lay-Buy, Splitit, Quadpay, Zalando, and more. Before you download or commit to any application, you should investigate whether their services are available in your region.
In addition, review their features and conditions so that you can avoid unnecessary complications. Opt for companies like Zebit with e-certificates and positive user reviews.
