Zilch: Spend with benefits

Zilch Technology Ltd

About this app

Join over 5 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you, up to £2250. It only takes two minutes and you can start shopping same day.

Featured on Bloomberg, The Telegraph and more.

From 14.99% APR Representative. Credit subject to status. T&Cs apply.

THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with zero fees – such as eBay and Amazon – all you need to do is enable your card in the app before you shop. Add us to your digital wallet and you can pay over time anywhere else – online or in-store – for a fee of up to £3.50.

PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.

INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.

HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out

BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.

GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your limit available credit rise. Responsibly.

HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.

NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.

ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has amassed over 5 million customers. In that time, we have provided our customers with over £600 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.

THINK WE CAN IMPROVE?
We’re always open to improvement, so please let us know what you would like to see next.
Send your suggestions to [e-mail]

PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.

Ratings and reviews

Finally working again after a search i found that a simple restart of my device could help solve the problem and it worked so it wasn't updated properly. But now its fixed i can change this review, zilch is amazing and i have been using for years. very handy splitting up big purchase into smaller chunks. also the cash back rewards you get are not much but add up and if you save comes in handy for when Christmas comes round. if you experience a similar problem of the app not loading,try a restart

It's a scam. They offer you credit, and when you pay with the card, it reduces the credit but also takes it out of your linked card, basically paying double. Then, when you contact customer service, they copy and paste a script about "buying now" and "paying later" not helping you with the clear error that's happened. not worth it. save yourself a fee pennies and avoid the app.

I made my first purchase with zilt and Amazon. They did not split the payment into four payments. They took the full ammount. Once I added up the several amounts picking out of my account. The total was actually more than the amount I spent. If you're supposed to be able to take it out in payments of four, there six transactions in an hour and a half? Beware. Be warned Be careful because customer service just repeated when's first payment is paid? My amount that I can use will be upped.