Zilch. Pay your way‪.‬ 4+

Where Mastercard is accepted

Zilch Technology Limited

Designed for iPhone

    • 2.9 • 222 Ratings
    • Free

iPhone Screenshots



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?

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.

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.

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.

What’s New

Version 1.137.5

A bit of bug squashing.

Ratings and Reviews

2.9 out of 5
222 Ratings

222 Ratings

giidorah ,

Take notes zilch

This app is great. I like it is very easy to use but
You need to make it better!
Do you need to add to use it whatever you want like a digital card for stores
You need to at least raise the spending amount if you had good payments, I already have a year and a half and I use it a lot and I never filled it up payment and I never see that my spending power get a raise
Do you need to add more stores because there’s a lot of stores that when you’re trying to check out, fails the payment

DaleJr88Fanatic ,

Loving Zilch!!!

I’ve been using Zilch for quite awhile now and have not experienced any issues using it at the stores I’ve wanted to! The transaction goes thru quickly and they take the payments when scheduled. I think they have an amazing selection of stores and like that you can activate the card to use at the store you choose with Zilch Anywhere! This is a great alternative to a credit card and helps you budget (at least for me it does) do your not over spending and don’t have all of those awful finance charges! Thanks Zilch for expanding my purchasing capability by offering your pay in 4 service!! It’s my go to app! If you’ve not tried it I highly recommend that you do!!!!

Savage212 ,

Make sure you read terms overall great app

If you looking for something to help you out with sticking to your budget this is a app you should have cloths ,shoes even door dash and much more. I’m happy this app allows me to purchase stuff I want without the gap in my budget I can remain on budget and still get what I want and also what I need. Make sure you understand that on certain accounts you can not make the first two payments early it’ll save you a lot of time sending messages to customer service.

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like