Zilch: Pay over time

7.62K reviews
Content rating
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About this app

Join over 3 million customers and pay the way you want.

Split the cost with Pay in 4
We have thousands of online stores with zero fees on our app – all you need to do is enable your card. And because we’re a Mastercard, you can Pay in 4 anywhere else – online or in-store – for a small fee.

Earn Rewards with Pay in 1
Get up to 5% back in Zilch Rewards when you shop online by searching our app for your chosen store and enabling your card for Pay in 1 before checkout.
You’ll also receive 0.5% back in Zilch Rewards when you use Zilch Anywhere and Tap and Pay in-store.

Zilch - 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.
3) Select where you want to shop: online or in-store.
4) Select how you want to pay: Pay in 4 or Pay in 1 to get up to 5% cashback in Zilch Rewards.
5) Enable your card and shop!

About Zilch
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.

Responsible lending is at our core so we only lend you what you can afford.

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

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. For all new customers, purchases made online at a retailer selected via the Zilch App will earn 2% in Zilch Rewards. All other Pay in 1 purchases will earn 0.5% in Zilch Rewards.
Updated on
31 May 2023

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

7.44K reviews
KaeAnn “Kazer” 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.
148 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💚
15 May 2023
It's actually really good but the support team they have is terrible and the connection is constantly being cut off between me and them. My only issue is that I selected "split payments" by accident when I was meant to pay always in Full in physical stores and merchants. But now I have no idea how to change that. (Solution fixed via a technical change. I'm very pleased with their commitments)
4 people found this review helpful
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Zilch Technology Ltd
15 May 2023
Hey Abraham,👋 Your feedback means a lot to us, thank you very much for this review! Team Zilch 💚
Miz fia
29 April 2023
I love zilch!! Been a customer since the start, but please put the interface back to how it was, the older layout is simple and easy to use. The upcoming payment calender is the silliest thing ever and its very confusing, I prefer the old layout with upcoming payments in order. This is going to cause so many problems for zilch as it is very confusing, I will not be using the app from now. Too complicated, 2 stars due to difficulty navigating the calender layout.
14 people found this review helpful
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Zilch Technology Ltd
29 April 2023
Hiya, 👋 thank you for your comment! We’re so sorry to hear this, and we have been inundated with queries about the changes to the app. I’ve let our support team know you’ve been in touch and they will look into getting the app operating in full functionality. Team Zilch💚

What's new

We love a filter. Use our new one to find stores with the lowest fees, highest rewards and epic voucher codes.