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!
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 email@example.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.