Zilch: Buy now pay later

Zilch Technology Ltd

About this app

Buy Now. Pay Later. Anywhere online.
0% interest, 0 fees and 0 credit impact.

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

We've built Zilch so you can 'Pay in 4' over 6 weeks with 0% interest and 0 fees at any online store you want to shop at. Your first installment payment varies from 25%-50% depending on eligibility checks.

As well as paying over time, you can also use Zilch to 'Pay in 1' and get 2% cash back in Zilch rewards.

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

Head over to zilch.com for more info.

Zilch Buy Now Pay Later - How does it work?

1) Choose the online store you want to shop at.
2) Select how you want to pay: Pay in 4 or Pay in 1 to get 2% cash back.
3) Enable your card, copy card details and shop!

Payment options are offered by Zilch USA Inc., 78 SW 7th St #8153, Miami, FL 33130 USA 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. Terms and conditions apply.

Ratings and reviews

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.

There should be a setting to always choose pay in full. It is ridiculous having to enable the card for each online purchase. Allow enabling until you turn it off! And if you mispress to pay in 4, there's no way to go back and change so you can't use the card at all. It would also be nice if purchases didn't just show up as 'ZILCH' on your bank card receipts, more useful would be 'Zilch - [insert merchant]'.

Really love using zilch always made payments in time or before the date but there was a hiccup and 2 payments went out for the same purchase so because I had to wait for my bank to refund me to pay for a different purchase my credits gone down 🙄 wasn't my fault and its been paid! Would help also if when your a little busy and you're already talking to someone, they close the chat then have to start again and explain your issues with a different person. Other than that I'm happy with zilch

What's new

Bugs be gone! No seriously, be gone.