Zilch: Get Credit & Pay Later

Zilch Technology Ltd

About this app

Join over 4 million customers and get the credit you deserve. 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.

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From 18.6% 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. And because we’re part of the Mastercard community, you can pay over time anywhere else – online or in-store – for a fee of up to £3.

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 4 million customers. In that time, we have provided our customers with over $440 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

Absolutely love my Zilch app, I can chose to pay in full, pay over 6 weeks fortnightly or over 3 months monthly payment. I like that it reports to credit reference agencies which helps to improve your credit score. The fee is very reasonable for purchases. My credit limit increased quite quickly due to paying off my purchases in full before the due date. It great for unexpected bills and customer service is excellent. I would recommend it.

Zilch has been an absolute game-changer for managing my finances! The app is incredibly user-friendly, making it easy to track purchases and instalments. But what really sets Zilch apart is its exceptional customer service. Every interaction with the team has been helpful, professional, and caring. They go above and beyond to ensure customers are supported. With no hidden fees and flexible payments, I highly recommend Zilch to anyone looking for a reliable financial service.

Honestly it's a life saver, very thankful for the creation of this app. Easy to use, fantastic interface. Clear reminders and plenty of time to repay. Even if you struggle the next payment, they allow you to snooze giving you even more time to repay. I absolutely recommend it. Thank you Zilch!

What's new

We've added new notifications to the Purchases section to update customers as soon as we've started processing a refund.