Get the credit
you deserve.

Get the credit
you deserve.

Responsible credit limits.
Flexible ways to pay. No interest.*
No jargon. No late fees.
Yes, really. You deserve it.

Get the free Zilch app.

Download now
From 22.6% APR Representative
*Fees may apply

Two ways to pay
with Zilch.

Pay over 6 weeks with zero interest.

We have thousands of online stores with zero fees on our app – all you need to do is enable your card. And because we’re a Mastercard, you can pay over time anywhere else – online or in-store – for a small fee up to £3.00.

Pay now for Rewards.

Get up to 5% back in Zilch Rewards when you shop online by searching our app for your chosen store and enabling your card to Pay now before checkout.

Pay anywhere else with your Zilch card to receive 0.5% back in Rewards.

From 22.6% 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: 22.6% APR Representative (fixed) based on total spend: £780 (+£14.50 fees). Total repayable: £794.50 paid over 6 weeks, 1st payment £209.50, then 3 payments of £195.00 every 2 weeks.

Features you’ll love.

Big deals.

Save money at your favourite stores with Zilch voucher codes.

Snooze instalments.

Tap Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.

Manage payments.

Get a clear history of all your purchases with one tap and track all your ongoing payments.

Get the help you need.

Our dedicated Customer Support team are on hand to answer all 
your questions.

Why Pay over 6 weeks?

It’s ideal for bigger buys where you need a little extra time. And it’s simple…

At checkout
You’ll pay between 50% and 25% of your purchase.

2 25% upfront payment relates to Zilch Classic. Other products may vary.


We’ll split the rest into three instalments
Make a payment every 2 weeks so that in 6 weeks, you’re done.

Why Pay now?

Get up to 5% back in Zilch Rewards instantly when you pay in full. Nice, right? Use your Rewards towards your next purchase or save them up for something special.

Tap and Pay too.

Whether on the high street, in a restaurant or at the hairdressers, you can Tap and Pay with Zilch.

Pay over 3 months. Coming soon
3 months. Coming soon

Join more than
3 million customers.

“Nice and easy. You are always in control.
Should have been about years ago.” Cheryl Chamberlain


“This app is amazing. I love it! ” James Bird


“This is a great way to do your
shopping. Easy to set up. So happy.” Kimberly Chapman


Build your credit score.

You could improve your credit rating by using our interest-free credit regularly and repaying on time.

Learn more

A higher credit limit could be yours, too.

When you join Zilch, you’ll get a credit limit tailored to you and easy-to-follow steps that could see that limit rise.

Saved customers over


in fees and interest in just our first 45 months

Refer a friend. Get £5 each.

Once you’re in and loving Zilch, refer a mate and you’ll both get £5 in Rewards when they’ve made their first Tap and Pay purchase. Cha-ching.

Follow us!

Make sure you give us a follow on Instagram for our latest news, competitions and lots of feelgood stuff.

Got more questions?

How does my available spend work?

We’re all about responsible spending, why is why you have a balance limit. This measure is in place so you won’t overspend.

Your available spending limit will be restored each time you pay off a purchase in full (not when you make single payments). For example, if you purchased something for £40, your available spending limit will be restored once you pay back the full £40 in 4 instalments.

How to contact Zilch?

Trying to contact us? Here's how you can!

Please visit our Help Centre here.

If you can’t find the answers there, don’t worry. We’re on live chat ready to answer your questions from 8am to 8pm Monday to Sunday.

Once logged into your app, click on the options menu in the top right-hand corner and select 'Help'.

What happens to my payments when I refund an order?

We all buy things but change our minds. And the great thing is that with Zilch getting a refund is hassle free.

Refund your order as you normally would online or in-store. As soon as we receive your refund from the store, we will check whether you have an outstanding balance on your purchase.

Full Refunds:

If you’ve returned your entire order and the full order has been refunded, all future payments will be cancelled and any payments made will be refunded.

Partial Refunds:

If you’ve returned some items in your order and received a refund, we’ll apply this to your instalments to reduce future payments. If your partial refund is larger than the balance you have left to pay, then we’ll refund you the difference. Generally, refunds are applied starting with your final payment, working backwards to earlier payments.