Zilch. Pay your way.

Zilch Technology Ltd

About this app

JOIN OVER 3 MILLION GLOBAL CUSTOMERS.

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?

SHOP ANYWHERE ONLINE
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.

HOW PAY OVER 6 WEEKS WORKS
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.

RESPONSIBLE. WITH A CAPITAL R
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.

Ratings and reviews

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.

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.

Garbage 🗑. This started out as a great app until recently. First, this is not "pay in 4" anymore. You are now required to pay 1/2 of your purchase up front, and then they will split the balance in 4. Then last week, I started getting alerts asking me to approve transactions in another country. Support was incredibly incompetent & then they lied & said that the problem they initially told me wasn't real, was fixed. I'm still getting alerts btw, so...they did nothing.

What's new

Bugs be gone! No seriously, be gone.