Zilch: Buy now pay later 4+

Pay over time. Anywhere‪.‬

Zilch Technology Limited

Designed for iPhone

    • 2.6 • 53 Ratings
    • Free

iPhone Screenshots


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.

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.

What’s New

Version 1.28.0

We’ve made a few tweaks to ensure you have a seamless experience and a crystal-clear picture of how Zilch works.
Got questions? Encountering issues? No problem. Chat to us in the app. We’re always here to help!

Ratings and Reviews

2.6 out of 5
53 Ratings

53 Ratings

BrunsWickPr0 ,

Poor service and extremely bad app!

I was approved for an amount but all I needed was to verify my driver’s license. I kept getting an error. I spoke with support who requested me send my ID in which I did. They go on to say I did not meet the minimum requirement which makes no sense as I have already been approved but they also can not give me a particular reason. Very poor customer service. Would not recommend this app as there are other so much better.

onjdx ,

Give them a break

It’s a new app (at least in the us) seriously give them some time to improve and it will be amazing like other apps. I love it so far and have had no issues. Customer support has been great too.

Ronnie2492 ,


On the waiting list for awhile and get email that it’s ready to signup. I signup and then am told I do not meet their requirements as my income and everything is good. It seems like they want to get signups to inflate their numbers and not approve many. It really reminds me of Quadpay/Zip when they denied me yet approved me when using them as the checkout option online vs using the app. Hopefully they improve to be more open and not randomly deny folks for a specific reason.

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, for example, based on the features you use or your age. Learn More


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