Buy in summer.
Pay by autumn.

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*

  • Pay over 6 weeks

  • 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.


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

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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.


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 app

It’s easy to Pay over 3 months in the app.

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