Welcome to
Retailers’ Paradise.

Where customers are converted and sales are made, thanks to...

3.6m+
customers
£1bn
yearly sales
40%+
higher AOV
Get in touch

Join over 5000 top retailers.

“We work with Zilch directly across all categories. We shared our important metrics with them – and they delivered.”
Ben Atkinson, Senior Business Development Manager
“We’ve been working with Zilch for over two years now and they’re one of our key partners. We’re delighted with the volume and quality of sales from Zilch’s highly engaged, highly transactable customers.”
Steve North, Affiliates and Partner Manager, Iceland
“We’ve seen incredible sales growth from Zilch in just two years. Their highly engaged customers, higher AOVs and smart use of Open Banking data makes them a crucial partner for every advertiser.”
Adam Ross, CEO, Awin
“The engagement we get from Zilch’s customers is one of the highest we've experienced thanks to the flexibility and extra value we can now offer our shoppers. Zilch has been a key player in new customer acquisition activity by bringing valuable and engaged customers to Morrisons.com.”
Digital marketing manager

Watch sales skyrocket.

With a pure performance model and no integration in sight, you’re looking at some impressive numbers:

55%+ sales conversion

30x more effective than search

100+ average yearly purchases
per customer

Revolutionary.
Rewarding.
Responsible.
The future of payments. Today.

We’re not competing for sales at checkout. We’re connecting retailers with over 3m ready-to-spend customers – before they’ve even filled their baskets. And you don’t pay unless they purchase.

Learn more
Paying it forward.

We put our revenue to good use by reinvesting it in interest-free credit, offers and Zilch Rewards. The result? Happy customers who keep coming back.

Learn more
Responsible. With a capital R.

We’re regulated for consumer lending by the Financial Conduct Authority.

Learn more

And we’re award-winning.

Best Credit Card
Consumer Lender
Credit Strategy Awards 2022
Best Alternative
Consumer Lender
Lending Awards 2022
`
Tech Nation
Future Fifty
2022
Disruptive Payments
Technology
Payment Awards 2022
British Entrepeneur
of the Year
2021
The Fintech
250
CB Insights
Scale Up Leader
of the Year
2021

We’re everywhere.

Our omnichannel presence means we're giving customers the choice to shop online or get their hands on your products immediately in-store.

Just want Zilch in-store? Contact us

We’re smashing targets.

Year on year growth

+88.89% increase in sales

+55.11% uplift in AOV

+47.67% uplift in Customers

+21.78% uplift in Transactions

+27.92% increase in sales per customer

Market share grew by 115% year on year

Black Friday Campaign

+2078% increase in sales

+2750% increase in orders

+4056% increase in clicks

Year on year growth

270% increase in AOV

6562% increase in GMV

1700% increase in transactions

Very happy! Quick and easy set up. I had a great first experience.
I really love Zilch. There are so many stores to choose from and Zilch gave me a high limit to start with.
Easy to use both online and in-store – and you can make money with Zilch Rewards.

We’re loved.

Our customers use us regularly, shopping on average 100 times a year. Our top 10% shop almost 300 times a year. Easy to see why retailers love us, too.

NPS45

As of February 2023

We're creative.

Want to showcase your brand with engaging content that gets millions of views and generates sales? Our in-house creative team has produced a number of high-performing campaigns with the likes of eBay and Morrisons.

Brilliant app, very easy to use! I checked out and paid online really easily – would definitely recommend.
Easy to use with my iPhone – just tap and go!
It's excellent, as it lets you build rewards and a bigger spendable balance. It's simply helpful.
Engage customers now.

With millions of customers looking to spend, our targeted marketing solutions and purchase data can engage them quickly and offer the value they want.

Explore solutions
Latest news

Googlisation of payments:
a $1 trillion evolution of the payments model.

When we founded Zilch back in 2018, we were looking to answer one simple and fundamental question: is it possible to do for payments (and credit) what Google did for search?

Read more

Choose Your Default Digital Wallet Payment Method with Zilch.

With just a slide of the new toggle, you can switch your default digital wallet payment option between Pay in 1 (Debit) or Pay in 4 (Credit) without visiting your Zilch app each time.

Read more

Zilch to 3 million: Fintech passes 3 million users and turns a gross profit.

Zilch is now profitable across its product suite having doubled underlying sales and tripled revenue in the last six months...

Read more

Let’s chat.

Want to know what Zilch can do for
your sales? Submit and see...