Zilch - Pay over time anywhere

2.2
5.31K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Zilch is a different kind of buy now, pay later company. Created from the ground up to help our customers have, do and be whatever they want, responsibly.

We've built Zilch so you can 'Pay in 4' over 6 weeks with 0% interest and 0 fees at any online store you want to shop at.

As well as paying over time, you can also use Zilch to 'Pay in 1' and get 2% cash back in Zilch rewards.

For your peace of mind, Zilch won't affect your credit score, but know responsible lending is at our core and we use sophisticated technology so we only lend you what you can afford.

Thankfully doing the right thing by our customers has really worked for us. You'll be joining a global community over two million strong.

Head over to zilch.com for more info.

Zilch Buy Now Pay Later - How does it work?

1) Choose the online store you want to shop at.
2) Select how you want to pay: Pay in 4 or Pay in 1 to get 2% cash back.
3) Enable your card, copy card details and shop!

Payment options are offered by Zilch USA Inc., 78 SW 7th St #8153, Miami, FL 33130 USA in partnership with Cross River Bank, Member FDIC. Loans through Zilch USA Inc. are made by Cross River Bank, Member FDIC. Your rate will be 0% APR and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. Terms and conditions apply.
Updated on
May 23, 2022

Data safety

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2.2
5.31K reviews
KaeAnn Gabbitas
April 11, 2022
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.
39 people found this review helpful
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Zilch Technology Ltd
April 12, 2022
Hi KaeAnn ๐Ÿ‘‹ we're so sorry to hear this! Please send us a message on any of our social media platforms so we can assist. Team Zilch๐Ÿ’š
David Carey
May 13, 2022
Horrible experiences with this, they allow you to pay with your added card no issues and then when next payment is due they have issues and then you have to wait a week while they have no clue what is wrong and then instead of them being able to sort it out, you have to pay by bank transfer. Then 2 weeks later you get an email to say its all sorted now, but still cant add the card again. Its meant to be an easy setup but has caused unnecessary stress.
34 people found this review helpful
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Zilch Technology Ltd
May 16, 2022
Hi David ๐Ÿ‘‹ we're so sorry to hear this! Please send us a message on any of our social media platforms, weโ€™ll be happy to look into this for you. Team Zilch ๐Ÿ’š
Thomas Fawkes
April 1, 2022
Good idea. Poor support and technical. Made my first order and everything was fine, the first payment was taken without an issue. I tried to pay the rest off early but found out you can't do that on a first order which is ok. However when my second payment was due zilch didn't take the money and an error occurs everytime I try to pay manually. Got in touch with zilch multiple times over a few days but they weren't much help. Issue is still unresolved and the payment is now overdue.
117 people found this review helpful
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Zilch Technology Ltd
April 1, 2022
Hi Thomas ๐Ÿ‘‹ so sorry to hear this! Please send us a message on any of our social media platforms, weโ€™ll be happy to look into this for you. Team Zilch๐Ÿ’š

What's new

Weโ€™ve made a few tweaks to ensure you have a seamless experience and a crystal-clear picture of how Zilch works.
Got questions? Encountering issues? No problem. Chat to us in the app. Weโ€™re always here to help!