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Zebit: The $90M Bet on Invisible Credit
How a 27-person team is building buy-now-pay-later for the 60 million Americans ignored by FICO
Zebit isn't just another BNPL platform—it's a calculated rebellion against the credit score monopoly. With $90M in funding and a laser focus on the 60 million Americans excluded from traditional credit, they're proving that financial inclusion can be profitable without pulling a single FICO score.
"Zebit's real product isn't credit—it's access. They're selling a second chance at the economy, and 4,560 Trustpilot reviewers are buying it."
The Invisible Credit Class
Zebit targets the 60 million Americans with sub-620 FICO scores—people who are invisible to Prime BNPL players like Affirm and Klarna. Their 58% direct traffic indicates strong brand recall among a demographic that typically relies on word-of-mouth. The 27-person team punches above its weight, generating $1.8M in revenue while serving a market most fintechs won't touch.
The SEO Trojan Horse
Here's the fascinating part: only 28% of Zebit's traffic comes from organic search. Their top keywords aren't 'buy now pay later'—they're 'hdmi to rca converter' and 'nzxt kraken z73'. This reveals a marketplace strategy: capture transactional search traffic for specific products, then convert shoppers into credit users. It's not a credit-first approach; it's commerce-first with credit as the enabler.
The tech stack tells a story of modern, scalable architecture—Vite for speed, Tailwind for rapid iteration, PWA for mobile accessibility. But the real innovation is operational: they've built a supply chain operation (led by Michael Tremmel) that can ship thousands of top brands to subprime customers without the fraud losses that typically kill these businesses.
- No FICO pulls = 100% addressable market expansion
- Direct traffic dominance signals brand trust in a skeptical demographic
- Product-led SEO captures high-intent shoppers before they become credit users
- 27 employees generating $1.8M revenue = $66K revenue per employee
The $90M Question: Can They Scale the Subprime?
With 4,560 Trustpilot reviews and 47K monthly visitors, Zebit has proven product-market fit. The challenge now is scaling a business where every new customer represents higher risk, all while maintaining the 27-person efficiency that makes the unit economics work.
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Zebit - Marketplace with Buy Now & Pay Over Time Option
Zebit is a marketplace for people with less than stellar credit. Shop thousands of top brands where you can buy now and pay over time with no hidden fees. Free registration and no FICO® pulled.
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Reviews (20)
I have used Zebit for almost 5 years…
I have used Zebit for almost 5 years now. I have never had any issues. When the platform was working it was 100% legit, trustworthy and reliable. I have been trying to login for the last month now to get ready for Christmas, but the landing page keeps repeating itself over and over, not allowing me to log in. Please fix this.
I used them for years and their service…
I used them for years and their service was very valuable to me. Suddenly, they were no longer available. I just received a text so I hope they are back on track.
Is the Zebit app still working?
Is the Zebit app still working?
Truly a great place to shop
Truly a great place to shop, when your credit ain’t so hot. I usually see some really poorly informed people who make w about this company, yes y will pay a little more but if tour credit us bad , what do y expect ?? I mean good credit means you are a candidate for the best rates and interest! Zebit gives almost everyone a chance to shop with great terms and speedy shipping! The inly issue I have with them is they still have nit returned their e certificate program, which was phenomenal! Pls return the program, I am begging you. Love your company!
when are the Ecerts coming back
I just want a straight answer about the Ecerts . I have emailed many times in the past 3 to 4 months . I use the ecerts alot at christmas, I have lots of kids and grandkids and this is an awesome way to budget . I have nothing but great things about this company have purchased many gift cards and a lot of Items I would give them 5 stars but I need answers about the ecerts - not the generic answer
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About zebit.com
Zebit is a marketplace for people with less than stellar credit. Shop thousands of top brands where you can buy now and pay over time with no hidden fees. Free registration and no FICO® pulled.
Company Overview
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Technology Stack
zebit.com uses 27 technologies across their website including YouTube Embed, Font Awesome, Google Fonts, hCaptcha, HSTS, and more.
Video
YouTube Embed
Fonts
Font Awesome, Google Fonts
Security
hCaptcha, HSTS, reCAPTCHA
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WordPress
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Cloudflare
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OneTrust
Traffic & Audience
zebit.com receives approximately 47.0K monthly visitors and ranks #489,232 globally. The website has a bounce rate of 56% with visitors viewing an average of 5.0 pages per visit. Users spend an average of 1:33 on the site.
The majority of zebit.com's traffic comes from .
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This page provides publicly available information about zebit.com. Data is collected from various public sources and may not always be up to date. For the most accurate information, please visit zebit.com directly at https://zebit.com.