Zilch: Get Credit & Pay Later

4.2
9.15K reviews
1M+
Downloads
Content rating
PEGI 3
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About this app

Join over 3.6 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.

Featured on Bloomberg, The Telegraph and more.

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 3.6 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 whatif@payzilch.com

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.
Updated on
11 Jul 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.2
8.93K reviews
Tina Surname
3 July 2024
Useless customer service! I was charged £3 fee twice for a single order, despite providing screenshots and all the proof they asked, they still refused to make it right and kept blaming merchant! Also having an inconsiderate attitude like it's not their problem! Be aware that if ordering from a place where they allow amendments (like groceries) for any adjustments prior to delivery, Zilch will take multiple fees for any change in the order!
6 people found this review helpful
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Zilch Technology Ltd
3 July 2024
Oh no, we’re sorry to hear that. Please send us a message on Facebook, Twitter or Instagram and we’ll try to resolve this asap.
A Google user
15 May 2024
95% setup but keeps saying I need to verify my email. There is other emails from them but nothing relating to verifying my email. Went back on the App several times to finish setup which takes me to my email to verify my email but nothing there. Then I went on their chat to state the problem and STILL not resolved. Absolutely zero assistance. Deleting now.... useless!
37 people found this review helpful
Did you find this helpful?
Zilch Technology Ltd
14 June 2024
Thanks for leaving this review – we’re sorry to hear you’ve had some issues. Please send us a message on Facebook, Twitter or Instagram so we can try to sort this out.
Shane H