I am so happy I am custom with you…
I am so happy I am custom with you guys. Thank you so much. You’re awesome people all the customer service.
By customer
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
I am so happy I am custom with you guys. Thank you so much. You’re awesome people all the customer service.
By customer
It was pretty easy. I’d love an app option but the website and alerts were pretty simple. I recommend this to everyone.
By Rebecca O.
The payments are insane! Definitely not worth it. Monthly payments of almost 500 is outrageous! And their interest is also mind blowing. Would not recommend to someone who is looking for a decent loan payment amount.
By Stephanie M.
Muy buena práctica de negocios
By customer
The ease of getting approved was amazing. The paperwork, on the retailers end, is a touch confusing. I had to ask multiple questions about payoff terms, etc. Thankfully, the people at the retailer were well versed in the paperwork and were able to assist me. I think having a payoff schedule, with early pay options, would be beneficial.
By PJ
It was easy to apply and pay off within 90 days no issues
By Anita S.
Great folks that run Zo Financial
By Anthony M.
Overall experience was very good. Process is straight forward.
By Bhavesh P.