Get more than you pay for.

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

From 18.6% APR Representative

Representative Example: 18.6% APR Rep based on total spend: £495 (+£5.30 fees). Total repayable: £500.30 paid over 6 weeks or 3 months, 1st payment £129.05, then 3 payments of £123.75. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.

ways to pay.

credit limits.

No interest*.
No late fees.

Up to
5% back
in Rewards.

*Fees may apply

Join more than 4 million customers.

“Brilliant for when you’re in a tight spot.”

There’s a Zilch
for everyone.

Zilch Up.

For credit building.
Up to £600.

Learn more

25.2% APR Representative

Credit subject to status. T&Cs apply

Zilch Classic. NEW

For more flexible ways to pay.
Up to £2250.

Learn more

18.6% APR Representative

Credit subject to status. T&Cs apply

See’s what right for you without affecting your credit score.


Pay. Your way.

  • Pay over 6 weeks

  • Pay over 3 months*

  • Pay now for up
    to 5% Rewards

*Exclusively for Zilch Classic,
subject to eligibility. Fees may apply.

No interest.
No late fees.


Hit Snooze.

Get four or eight extra days to pay
when you need more time.


Support that
suits you.

Our team’s here to help on live chat
or on the phone, seven days a week.
Contact us

I have a question
Sure! How can I help?

Big brands.
Big deals.
No fees.

Pay over time at thousands
of stores with zero fees.
Only on the app.

Fees may apply at other retailers

With a capital R.

We only lend what you can afford. We give
you tools to stay on top of your purchases.
And there are no hidden fees. Ever.

How Paying with
Zilch works.

Pay 25%-50% upfront and the rest
over six weeks. Fees may apply.


25% paid

In 2 weeks

25% due

In 4 weeks

25% due

In 6 weeks

25% due

Any questions?

We've got the answers.

Explore FAQs