Spend
with
benefits.
No interest*. No late fees. Just flexible ways to pay, instant Rewards and credit from £50-£4500. Get a decision in minutes. *Fees may apply
From 14.9% APR Rep
Credit subject to status. T&Cs apply.
From 14.9% 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.*Fees may apply
Coming soon. Borrow up to £100 before you get paid – transferred direct to your bank.
*Fees apply
Coming soon.
Pay with Zilch online or in-store.
Choose Pay now, Pay over 6 weeks or Pay over 3 months.
Add Zilch to Apple Pay or Google Pay for easy tap-and-go shopping.
A real card for your real wallet – ready when you need it.
Browse and shop through the app to unlock offers,
discounts and Rewards on every spend.
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”
Use Zilch responsibly and repay on time and you could improve your credit score.
Our team’s here to help on Live Chat
or on the phone, seven days a week.
Contact us
Use the app to Pay over time.
Get thousands of stores
fee-free.
Fees may apply at other retailers
Track purchases, see your next instalment date and repay early – all in our easy-to-use app.
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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).