Shop now. Pay monthly.
No credit needed.

Zibby's lease-to-own option lets you pay monthly for the items you want today.

Simply click below to start the application process and get pre-approved in minutes. Then shop and use the Zibby payment option at checkout.

Apply For Zibby Now    Shop

Pay Monthly

Sometimes paying up-front isn't always an option. Lease with Zibby and pay monthly.

No Credit Needed

We've built insightful underwriting tools to tell us what we need to know without pulling your FICO score.

Easy to use

Apply for Zibby at checkout online, or in-store with select retailers

Get approved in 3 minutes or less, faster for returning users

Retailer fulfills your order, just as if you'd paid in-full

Buyout Anytime

Pay the buyout price to receive ownership at any time, and the price gets lower after each monthly payment.


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

Real-time support

Our friendly service team is available to answer your questions over chat, email, or phone.

More About Zibby

Zibby, the lease to own monthly payment option for online shopping has teamed up with Sears Outlet to to help you buy the appliances and home goods you’re looking for!

A Zibby lease offers unprecedented flexibility that may make it more attractive than financing by offering you a simple, straight-forward payment option. Applying for a rent to own payment option for your next appliance takes seconds and you don’t need a credit score to qualify! Every month you can choose to continue your lease, purchase the product, or return it (normal wear-and-tear is accepted).

Whether you’re looking for rent to own furniture, washer and dryers, electronics, or refrigerators, Zibby rent to own financing at Sears Outlet can be a great option for you!

Shop now. Pay monthly. No credit needed! With Sears Outlet’s Zibby rent to own option you can pay monthly for the appliances you want today. Shop at today!