Easy to get approved for but beware
Easy to get approved for but beware, unless your doing the 90 day same as cash it’s extremely expensive.
By //
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
Easy to get approved for but beware, unless your doing the 90 day same as cash it’s extremely expensive.
By //
Very easy fast and convenient when needed! Thank you so much!
By napageak
Fast and easy
By cynthia
Quick and easy process
By Ashley
Rent-to-Own!! Great option. Great company to help with my furniture needs. Thank you!
By customer
This was very easy to sing up for. I wish there was a easier way to pay or even an app will help
By customer
When I called to understand more about the program and specifically what my total cost would be for a lease less than what I was approved for with an early payoff option, customer service sucked at explaining it. They said the retailer had to do that. How can you not explain how your own service works?
By Zo C.
I got a call back and processed my request. Thank you
By customer