Amazing customer service
Amazing. Customer service was very patient even when I was late with a payment or two would highly recommend using the 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
Amazing. Customer service was very patient even when I was late with a payment or two would highly recommend using the service.
By customer
Extremely high interest rates. Even with above average credit.
By customer
Was not informed if the amount t of the payments until after I signed the lease. Almost feels like entrapment!
By customer
Zo kept this all business great business
By customer
Great staff willing to thoroughly explain any parts of my lease that were confusing
By customer
Thank you for everything
By customer
The application was immediately denied the within 30 minutes they changed their mind to approved. Then approved for more than asked for. Spent less than approved for. Then never told rate and term. Only told free of interest for 3 months then the $3200 product would then be made into payments to cover $7200. Well over the value. No one explained anything. Nor did the merchant care about the safety of product or patron in transport. All in all don't recommend if you can not pay off immediately. Highly predatory lending practices.
By customer
Easy approval. Paid in 90 days and avoided any additional lease fees. Great service!
By Dave