Get more than you pay for.
More time. More Rewards. And 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. T&Cs apply.Flexible
ways to pay.
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.”
See’s what right for you without affecting your credit score.
ApplyPay. Your way.
Pay over 6 weeks
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Pay over 3 months*
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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.
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
Responsible.
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.
Today
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
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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 (9am–5pm).