Pay back over 6 weeks
Zero interest at 1000s of stores*
Pay in 1 gets up to 2% in Rewards
4.6 / 5.0
Pay in 4.
Checkout with Zilch for free at 1000s of stores online, including Amazon and eBay.
You can pay in 4 anywhere else, in-store or online for a small fee, including when you pay with Apple, Samsung or Google Pay.*
Pay in 1 for rewards.
Pay in full and get up to 2% back in Zilch Rewards instantly.
New customers will earn 2% back when using the Zilch app to Pay in 1 at eligible retailers online. All other Pay in 1 purchases will earn 0.5% back.
Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply
How Pay in 4 works.
Pay 25% upfront, then the rest in 3 instalments over 6 weeks. Ideal for bigger buys, or if you just need a little extra time.Start shopping
Pay 25% upfront.
2 weeks later.
4 weeks later.
Autopay the next 25%.
6 weeks later.
Final 25%. You’re done.
Zilch it everywhere.
Amazon, Nike, ASOS, Adidas, Iceland, Just Eat, Sports Direct…
Shop at all your favourite brands.Start shopping
Search for any brand
Tap and Pay too.
Whether on the high street, in a restaurant or at the hairdressers, you can Tap and Pay with Zilch.
With a capital ‘R’.
Stay on top of it.
With our app it’s simple and easy to stick to your budget.
Tailored to you.
Connect your bank account via Open Banking so we can give you a more affordable personal spend.
Security comes first.
We are SOC2 licenced and protect your account by using:
- Enhanced ID verification
- Multi-factor authentication
- Data encryption
Join more than
2 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
Last year we rewarded customers with over £6.5M in Zilch Rewards.
Refer, earn, get rewarded.
They’ll get £10 in Rewards once they join.
You’ll get £10 too after their first purchase.
Be part of the most happening events around you. We’ll keep you in the know with the hippest hangouts, trendiest pop-ups and shopping destinations.Explore now
Make sure you give us a follow on Instagram for our latest news, competitions and lots of feel good stuff.