Zilch. Pay your way.

8.72K reviews
Content rating
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About this app


Pay over 6 weeks with 0% APR* loans, zero late fees and zero overdraft fees on signing up. Or pay in full to get up to 5% back in Zilch Rewards instantly. Nice, right?

We have thousands of online stores with zero fees, including Amazon, eBay, Walmart, Target and Nike. And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10.

You’ll pay either 25% or 50% of your purchase upfront, plus any fees. Then we’ll split the rest into three installments over six weeks.

You’ll always be in the know with your spending. See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments.

Payment options are offered by Zilch USA Inc, 1111 Brickell Ave, Suite 1870, Miami, Florida 33131, in partnership with Cross River Bank, Member FDIC. Loans through Zilch USA Inc. are made by Cross River Bank, Member FDIC. Your rate will be 0% APR and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. A $3 fee may apply based on your selected retailer. Terms and conditions apply.
Updated on
Feb 22, 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

8.5K reviews
ian colbert
November 19, 2023
Never had any issues with Zilch and I have used it alot over the last few years. It is very easy to use and so long as you pay it back when it is supposed to be paid back then your good. Paying the instalments back early does help to raise your credit limit and you get rewards if you use it to pay for things in full so win-win. Thank you Zilch you helped me a few times.
1 person found this review helpful
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Zilch Technology Ltd
November 19, 2023
We appreciate the glowing review! If you need help or have any questions, please reach out on Facebook, Twitter, or Instagram.
alex shoemaker
April 11, 2023
Pretty good and works anywhere but a few stores have did a one dollar hold before the full amount and then declines because it counts as one transaction. If they could change that I'd give it 5 stars. Maybe allow purchase only for a minute after activation or something Update: this app was pretty good at first, but now they charge half the amount then the remainder in 3 rather then split in 4 and now charge 3 dollar fee for stores outside of what they have which is almost every where I use it
2 people found this review helpful
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Zilch Technology Ltd
April 12, 2023
Hey Alex, thanks for leaving this feedback! We’re so sorry to hear this. Please send us a message on any of our social media platforms with any further feedback to we can raise this with our product team. Team Zilch 💚
KaeAnn “Kazer” Gabbitas
April 11, 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.
164 people found this review helpful
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Zilch Technology Ltd
April 12, 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💚

What's new

A bit of bug squashing.