Go with Zo
Very friendly staff... Everytime I've called to make a payment or asked questions regarding my account they are courteous, take the time to review my information and do everything they can to help...
By Elizabeth
Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
182 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Zo Financial helps consumers by: Providing scheduled payments to acquire the items they don’t have the cash to put down on. Providing a LOW or NO credit option to get the items they need. Providing a way to spread out payments over time to ease the impact on their bank account. Providing multiple paths to ownership: 90-Days Early-Purchase, Anytime Early Purchase, and renewable lease for up to 12 months. Contact us at 833-719-1096 to learn more about early-purchase and payment options.
Zo Financial (zofinancial.com) has 182 customer reviews on The Fair Hearing, with an average rating of 4.1 out of 5.
182 approved reviews, newest moderated first
Very friendly staff... Everytime I've called to make a payment or asked questions regarding my account they are courteous, take the time to review my information and do everything they can to help...
By Elizabeth
You never reported anything to the credit bureau! I paid it off in three months to help my credit and it did nothing! So what was the point?
By Dinah
I was grateful for the opportunity to utilize this system, as having a past of bad credit (and bad choices of husbands causing the bad debts) makes it hard to find quality service and value.
By LuLu
Everything was super easy and the people were so nice!!!
By Racia
not good,lose communication
By Cris J.
They were quick and easy and allowed me to purchase immediately and allowed me to pay back without interest fees. when I met the deadline the agent celebrated with me 🙌😁
By Refugia
Buen servicio gracias por la atención
By Carlos
Thanks for giving me a chance to rebuild my credit!!
By Franklin