Zilch: Get Credit & Pay Later 4+

Enable your Card, Buy & Save

Zilch Technology Limited

Designed for iPhone

    • Free

iPhone Screenshots


Join over 3.6 million customers and get the credit you deserve. It’s super quick to apply. Download the app now and see how much credit we can offer you, up to £1500. It only takes two minutes and you can start shopping same day.

Featured on Bloomberg, The Telegraph and more.

From 18.6% APR Representative. Credit subject to status. T&Cs apply.

Need a little help managing your money? You can Pay over 6 weeks at loads of stores with zero fees – such as eBay and Amazon – all you need to do is enable your card before you shop. And because we’re part of the Mastercard community, you can pay over time anywhere else – online or in-store – for a fee of up to £3.

Pay over 3 months is coming soon, subject to eligibility. Ideal for those bigger buys on your wishlist.

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.

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 Continue to enable your card, then 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 limit rise. Responsibly.

Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.

If you need some help with your cash flow, just hit Snooze and you’ll get four extra days to pay. Available for Pay over 6 weeks. 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 3.6 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 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.

What’s New

Version 1.142.7

No one likes bugs. So we’ve been busy getting rid of them. Thank us later.

Ratings and Reviews

4.2 out of 5
2.8K Ratings

2.8K Ratings

Soboringgg!!! ,

Couldn’t be happier

I’m never one to write reviews but this Zilch is so good I just had to write one! I signed up for Zilch 4 days ago, was given a £100 limit, had no idea on how to use it correctly, I know it’s a virtual card and I can use this as a debit card anywhere as well as online. So I wanted to test it out and used it for “pay in 4” at my post office when I sent off a package for £33. It easily deducted approx £8 I was so impressed. When I came home I decided to pay the remaining balance off as I didn’t want it hanging over me, within minutes of me paying off the balance I was given another £100 limit, so £200 altogether, I called customer service to ask how this happened (not that I’m complaining!) they agent told me that because I paid off so early it helped me boost my credit limit!!! This is a wonderful service and it’s so good for emergencies or when your low on funds before payday and you need to get something. This truly is amazing and I look forward to my credit increase because I’m very good with keeping to payments etc. Thanks Zilch!!

jen jen 67 ,

This app does not work

I have been trying to purchase something from this app since last year. I have put all the correct information including my debit card details when I press the continue button it comes up with oops try again I’ve tried several times I’ve contacted the CallCenter several times they tell me to wait three days three days later I receive an email saying it’s been fixed and it hasn’t not been fixed again the other day I called up they said they were going to contact me in three days I receive a text saying it’s been fixed I’ve sent a reply back letting them know many many times that is still not working and it’s still the same problem it’s not linking my debit card all it saysThe same thing (opps something gone wrong)and then it’s back to square one again. I am not the only one with this problem several people have told me that they have the same problem they cannot purchase an order because It won’t link the debit card and when they contact the call centre they are told the same thing . I have called the CallCenter many many times i receive a text saying they are looking into the issue three days later they say it’s fixed since last year I’ll be ttying to use this app up until the other day I said them text back Or call them back and tell them it’s still not fixed and they I said don’t worry we’ll fix the problem and it’s still not fixed i give up !!!

Developer Response ,

Hi there 👋🏼 Thanks for reaching out, and I'm so sorry to hear this! Please feel free to get in touch with us via any of our social media platforms such as Facebook, Twitter or Instagram and we'll be more than happy to investigate and process any refunds! Team Zilch 💚

Amy_H75105💁🏻‍♀️ ,


I downloaded this app back when it first opened getting the cash back for sharing and other people signing up. Then issues started arising when it wouldn’t let me update my payment methods. They then sent me a message telling me that’s they’ve tried many many times to help me update my payment method which isn’t true I don’t have any emails which I can gladly show people that’s there only an email from them saying that they’ve transferred me over to a debt collector for £25! £25 can you believe me 😂, the debt collector sent me an email and I’ve paid the £25 straight away with no issues whatsoever, the issue was the app and the people who work for Zilch itself, being rude and ignorant, not helping me update my payment method to make this payment telling me to use the old payment method even though my card needed updating because it expires after a certain amount of time which they should of known. I only used the app to mess about with it and see what it was all about. Clearly has brought nothing but issues so I’ll stick to buying things outright. Please just be careful guys, if you’re not finically in a good position then you’ll most likely get scammed by them, not be able to make payments and then end up with a credit score saying you have tons of debts and debt collectors harassing you.

Developer Response ,

Hi Amy 👋 We’re so sorry to hear about the issues you have been experiencing so far! Please reach out to us on any of our social media platforms, we’ll be more than happy to have this resolved for you. Team Zilch 💚

App Privacy

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:

  • Identifiers
  • Usage Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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