Buy in summer.
Pay by autumn.
Pay over 3 months is here. Up to £2250 credit. Apply now and you could start spending today
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. Pay over 3 month is now available on our new classic product. T&Cs apply.Pay over
3 months.
Responsible 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.”
Pay. Your way.
Pay over 3 months*
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Pay over 6 weeks
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Pay now for up
to 5% Rewards
*Exclusively for Zilch Classic,
subject to eligibility. Fees may apply.
No interest.
No late fees.
*Purchase fees may apply.
0
Hit Snooze.
Get four or eight extra days to pay
when you need more time.
Zzzzz
Fees may apply.
Support that suits you.
Our team’s here to help on live chat or on the
phone, seven days a week.
Contact us
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
How paying with Zilch works.
Pay 25%-50% upfront and the rest
over six weeks. Fees may apply.
Today
25% paid
In 1 month
25% due
In 2 months
25% due
In 3 months
25% due
Apply today without affecting your credit score.
Download the appIt’s easy to Pay over 3 months in the app.
Step 1
Explore the deals or search for your favourite retailer.
Step 2
Choose Pay over 3 months for a low or no fee.
Step 3
Tap Enable card, then go shop. Remember to use your Zilch card details at checkout. Fees may apply.
Any questions?
We've got the answers.
Explore FAQs
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How do Zilch Rewards Work?
When you make a Pay now purchase using Zilch, you’ll get up to 5% back in Rewards. You can save them up or spend them straight away online or in-store. Rewards are credited to your account instantly, so you can keep a tab on how much you’re earning – you’ll see yours racking up in the top right corner of the app.
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How do I sign up?
You can sign up to Zilch in just a couple of taps. First, download the Zilch app via the App Store or Google Play Store, then tap Create account and follow the simple instructions. We’ll run a soft credit check and verify your ID. Once you’re approved, you’ll be able to start spending same day.
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How do I get in touch?
Our Customer Support team is here to help seven days a week. You can speak to them via Live Chat in the app (9am–6pm) or give us a call on 020 3405 9775 (8am–7pm).