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Flexible financing if you have low or evolving credit

Everyone deserves to sleep well, and a lot of us need to pay over time. Zibby’s lease purchase financing is a great option for the 50% of us with low or evolving credit because Zibby doesn’t pull your FICO score.


Flexibility of a Zibby Lease

Each month you can choose to make your payment, buy out your products, or return them to Zibby. You’ll own your products once you make all of your payments.


Get pre-approved

It takes less than a minute to apply and get approved for a Zibby spending limit. 


Select Zibby at Checkout

All you’ll need to do is read and sign the Zibby agreement and make your first Zibby payment. 


Pay monthly

Pay the same as cash price if you buy your products within the first 90 days. After 90 days lease financing costs will apply.

get PRE-approved noW




Add your product to the cart and proceed to checkout


Fill in your billing and shipping details and proceed to payment method


Choose Zibby as your payment method


Fill in the application and complete your purchase

You will make your first payment by debit or credit card when you checkout.

"Getting financing was easy. I got a response in few minutes and was offered zero-interest which made my purchase a no-brainer. I pay just $75 a month and got a brand new amazing techy bed!"

- Caroline T., Eight Customer

"I went ahead and applied to finance my smart mattress. It was simple and there is no commitment even after you see your rates. I was offered a great rate and low monthly payments. Happy with my buy!"

- Jason M., Eight Customer


All products on are eligible for financing. There is no minimum, and no limit to how many products you can finance in one order.

  1. A valid mobile number that can receive SMS.
  2. A current, valid US address that is active with the USPS. (Please note that non-commercial, PO Boxes will not be accepted)
  3. A valid Social Security or Taxpayer ID Number (ITIN).
  4. A valid email address.
  5. A valid credit or debit card to make recurring payments. (no prepaid or gift cards)
  6. A valid photo ID showing they are 18 years of age or older.

Lease-to-own means that you will make recurring lease payments for the use of the product(s) they have selected. There is no long term obligation to continue leasing, and you can return the product to Zibby at any time, with no further obligation other than for amounts past due.

In addition, there are several options to acquire ownership of the product being leased. A Zibby lease offers flexibility that may make it more attractive than financing. At the end of your recurring lease cycle, you can choose to continue your lease with more recurring payments, purchase the product(s), or return the product(s). (normal wear-and-tear is accepted).

Zibby’s auto-renewing leases are available in lengths of 12, 18 or 24 months depending on the lease amount and state in which you reside.

You can return your items at any time before your next monthly payment without consequence or hidden fees.

Zibby can be reached by phone: (888) 391-9901 or by email:


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Make easy monthly payments for your purchase.

Options for every budget and credit score.

Select your financing option at checkout to apply

Established credit?


Soft credit check required

Pay in 6, 12 or 18 months

0 to 30% APR

Apply at checkout

Little or no credit?


No credit required

Pay the same as cash price if you buy your products within the first 90 days. After 90 days lease financing costs will apply.

Apply at checkout



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