Join over 6 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day.
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From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 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.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
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.
ABOUT ZILCH
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 hit over 6 million customers. In that time, we've provided our customers with over £750 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.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
I have had the Zilch app for almost a year now and I absolutely love it. I find the app itself very easy to use and to navigate around. I like that I can see my spending limit, my current balance and my upcoming payments etc all at a simple glance. I like to shop online and Zilch has a huge range of stores and websites to choose from. Having the option to use Zilch to pay for your purchase in full or to spread the cost over 6 weeks is a very handy resource. I think it helps you to manage your spending better and you as the customer are always in control of your budget and of course what you choose to spend and purchase. I have found the Zilch customer services to be amazing too, if you ever need any help with a purchase or your account they are always on hand to assist. Excellent app and great concept too to help spread the cost of your purchases if you so choose to, thank you Zilch!
Excellent service
Chris345678
I’ve been with zilch for years and I love it, it’s really helpful throughout the month. I do have one suggestion I think could make it better. I think you should have an option for pay in 6 so that the individual payments are lower. This would really help with bigger purchases bearing in mind you could potentially buy something for £2000 but in 4 payments it would be a lot even if you spread it over 3 months. You should do a pay in 6 option for the both so you would have pay in 6 normal payments or pay over 6 months for lager purchases. I think people would still pay in 4 on a lot of things but it would really help to have an option to lower the payments sometimes.Just my thoughts on it but again it’s not a complaint just a suggestion
Zilch is fair, Flexible,and truly rewarding.
Charmen Hayden
Zilch has been incredible My limit started at £480. Then increase the 500 in just one day. and now it's gone up to £537 because I've been making an early payment I really appreciate that Zilch recognises and rewards responsible spending As someone with mobility issues who relies on online shopping Zilch has made life so much easier I do most of my shopping through delivery H&M Argos boots JD Wowcher, you name it. And Zilch gives me the flexibility. And freedom to manage. My spending. Responsibly like other pay later Services. Zilch doesn't create pressure. it helps you stay in control and build trust. I'm genuinely grateful for the support. And the increases. They've given me. Highly recommend Zilch._Charmen
Incredible
Froggs21
Been using zilch for over 2 years now & for me there’s no better credit facility, so easy to manage, make repayments, snooze payments when it’s a hard month, it’s the only credit option that’s stress free as you always feel in control of your spending because they make it so easy to track your spending that you always know were you stand, the app is incredible it’s so well laid out that any one of any age would have ease using it which is rare compared to other credit options. No late fees easy to use, great support staff yea it’s second to none zilch all the way!
Auto Snooze is now available for Advance payments. We've also refreshed some in-app banners and improved app performance.
Version 2.54.0
The developer, Zilch Technology Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Zilch Technology Limited
Size
114.4 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Languages
English
Age Rating
18+
18+
This app has an age rating of 18+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
