zibby lease to own

Overview and Demonstration of Zibby's Lease-to-own platform.

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Zibby's lease purchase option can integrate with your online cart enabling you to tap into a whole new customer base!


Victory Park Capital provides $100 million credit facility and $3 million preferred equity to Cognical, Inc.

CHICAGO and NEW YORK – December 15, 2016 – Victory Park Capital (VPC), an investment firm focused on private middle market debt and equity investments, announced today it has provided a $100 million senior secured credit facility to Cognical, Inc. (d/b/a Zibby), to expand its omnichannel lease-to-own payment platform for in-store and online shopping. The credit facility, along with the accompanying equity investment, will help the company grow and scale its lease portfolio, providing underbanked consumers with an affordable alternative for acquiring durable consumer goods such as furniture, appliances and electronics.

“Zibby has identified an underserved lease-to-own financing niche within the non-bank financial services landscape and has developed the underwriting and risk analytics to capitalize on it,” said Gordon Watson, partner at VPC. “Zibby attempts to empower underbanked consumers with limited credit profiles by providing a payment option for acquiring household necessities that they otherwise could not afford.”

Based in New York, Zibby already offers its payment solution online and in-store across 46 states and is expanding its presence among retailers in the United States. “We are looking forward to a long partnership with VPC and highly value the team’s knowledge and track record within the specialty finance sector,” said Brandon Wright, CEO of Zibby. “Their investment will provide Zibby with the debt capital necessary to dramatically expand our retailer footprint and help those retailers support this huge, underserved customer base.”


Zibby offers alternative financing for people with low or no FICO scores.

With Zibby’s lease-to-own program, you can lease the things you want today and pay for it over time. Pay the same as cash price if you buy it out within the first 90 days. Applying takes less than a minute and it won’t impact your FICO score.

Select the items you want and add it to your cart as you normally would.

  • Choose Zibby

    When you are ready to checkout, select Zibby as your payment method.

  • Checkout

    If you have been pre-approved: You'll enter your phone number, the verification code we will send you, the last 4 of SSN/ITIN, and your payment information.

    Your first monthly lease payment is due at checkout. Also due is the cost of items that aren’t leasable like shipping and any applicable taxes. Going forward you’re just responsible for your monthly payments.

  • Get pre-approved now


    zibby lease to own

    Zibby lease to own

    Fintech startup Zibby announced the completion of $14 million in financing. Five investors participated in the round, including MissionOG, CURO, Blumberg Capital, and Tribeca Venture Partners.

    The company said that it will use the investment to expand its presence among retailers.


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