Zilch

Editor's Review

Take control of your finances with Zilch! 🚀 Join over 4 million satisfied customers and gain access to the credit you deserve. Applying is super quick and easy. Download the app now and see how much credit we can offer you, up to £2250. It only takes two minutes, and you can start shopping the same day! Featured on Bloomberg, The Telegraph, and more, Zilch is revolutionizing the way you pay.💰

With Zilch, managing your money is a breeze. Pay over 6 weeks at numerous stores like eBay and Amazon with zero fees – simply enable your card in the app before you shop. Add us to your digital wallet, and you can pay over time anywhere else – online or in-store – for a small fee of up to £3.💳

Need to spread the cost a bit further? Zilch lets you Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply, so be sure to check the terms.💸

Unlock instant rewards with Zilch! Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay, and Samsung Pay.🎁

Here’s how it works: Explore the app to find where you want to shop. Can’t find your store? Tap Zilch Anywhere. Choose whether you want to Pay now or spread the cost. Tap Enable card, and we’ll automatically take you to your chosen store, so you can fill your basket and check out.🛍️

Use Zilch regularly and keep up with your repayments, and you could see your credit score increase over time. Get a credit limit tailored to you, and we’ll give you easy-to-follow steps that could see your available credit rise – responsibly.📈

Our dedicated Customer Support team is available to answer your queries from 9am–6pm, seven days a week. If you need some help with your cash flow, just hit Snooze, and you’ll get 4 or 8 extra days to pay (subject to eligibility; fees may apply).🕒

We’re on a mission to eliminate the cost of consumer credit for good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has amassed over 4 million customers. In that time, we have provided our customers with over $440 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.🚀

We’re always open to improvement, so please let us know what you would like to see next. Send your suggestions to whatif@payzilch.com. Zilch Technology Limited is committed to protecting and respecting your privacy. We use the latest data security measures to protect your personal info and financial data.🔒

Features

• Apply quickly and get credit up to £2250

• Pay over 6 weeks at select stores, zero fees

• Pay over 3 months with fees where applicable

• Earn up to 5% back in Zilch Rewards

• Use Zilch Anywhere for unavailable stores

• Build credit score with regular repayments

• Access customer support seven days a week

• Snooze payments for extra time if needed

Pros

• Increase credit score with responsible use

• Tailored credit limits with growth opportunities

• Customer support available seven days a week

• Option to Snooze payments for extra time

Cons

• Fees may apply for certain payment options

• Snooze feature subject to eligibility