Zilch - Pay over time anywhere

5.66K reviews
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About this app

Two ways to Zilch.
Buy now and pay later over 6 weeks with no interest.
Or Pay in 1 and get 2% back.

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

We give our customers the choice to pay two different ways.

Buy now and pay later for free at 1000s of stores online, including Amazon and eBay. For a small fee, shop anywhere else, in-store or online, including when you pay with Samsung or Google Pay.*

Pay in 1 and instantly get 2% back in Zilch Rewards to put towards your next buy, or save for that special something.

For your peace of mind, Zilch won’t affect your credit score, but know responsible lending is at our core and we use sophisticated tech 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 community over one million strong.

We’re always open to improve so please let us know what you would like to see next. Send your suggestions to whatif@payzilch.com

Zilch Buy Now Pay Later - How does it work?
1) Choose the store you want to shop at.
2) Can’t find the store you want to shop at? Choose Zilch Anywhere.
2) Select where you want to shop: online or in-store.
3) Select how you want to pay: Pay in 4 or Pay in 1 to get 2% cashback.
4) Enable your card and shop!

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+ ,UK residents only. Representative APR 18.1% (fixed). Rep Example: based on total spend: £240 (+ £2.50 transaction fee). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply.
Updated on
27 Jun 2022

Data safety

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5.66K reviews
KaeAnn Gabbitas
11 April 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.
70 people found this review helpful
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Zilch Technology Ltd
12 April 2022
Hi KaeAnn 👋 we're so sorry to hear this! Please send us a message on any of our social media platforms so we can assist. Team Zilch💚
Michael Camponi
10 June 2022
built up a credit limit of £500 then I lost my bank card i changed the card details on the app but kept getting an error code 14 attempts later error codes each time i contacted zilch through chat explained the situation and because of the errors payments due were missed which until this point I never missed a single payment in fact I paid the balance in full not in installments and was promised on chat that this was not my fault and my credit wouldn't be affected total lies my credit was £50
9 people found this review helpful
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Zilch Technology Ltd
28 June 2022
Hi Michael, 👋 We are so sorry to hear this! Please send us a message on any of our social media platforms, we’ll be happy to look into this for you. Team Zilch 💚
Alan Godfrey
14 June 2022
Was initially good for cashback but that's reduced massively which is disappointing. The best BNPL, highly recommended. Makes bigger and unexpected purchases really easy. Love it. Think the app is good but I believe will become better over time as more people use Zilch, could maybe be a bit more intuitive.
2 people found this review helpful
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Zilch Technology Ltd
14 June 2022
Hey 👋🏼 Thank you so much for leaving this review - we really appreciate it! Team Zilch 💚

What's new

We'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. We're always here to help!