Apply
Coming soon to the app, Advance lets you borrow up to £100
up to seven days before you get paid – sent straight to your
bank. No interest. Just a £3 processing fee.
From 14.99% APR Representative
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. Representative Example: 14.9% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34.Connect your bank using Open Banking so we can verify your income. Available with Zilch Extra (£2.99/month). T&Cs apply.
You may be able to borrow 20% of your income, up to £100.
If eligible, your Advance is sent straight to your bank. We'll automatically take the repayment, including the £3 processing fee, on the day you get paid.
You’re always in charge of what you share.
Unlock a little more.
Even bigger benefits.
The all-in plan.
Built for business.
Join over 6m customers
“I love how flexible the payment options are”
“Hassle-free service and no hidden charges”
“Easy as 1, 2, 3 and makes shopping a joy”
We've got the answers.
Explore FAQs
+
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.
+
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.
+
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 (9am–5pm).
