Simplicity at
your fingertips.
Two ways to pay and a whole lot of helpful features.
Download the free Zilch app.
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
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
Two ways to Zilch.
Key features
tailored to you.
Big deals.
Save money at your favourite stores with Zilch voucher codes.
Boost your basket.
Anything over your available spend will be added to your first payment at checkout. Pay the rest over six weeks.
Get rewarded.
Earn Zilch Rewards when you pay in full. Put them towards your next order or save for something epic.
Snooze your payments.
Need more time to pay? Tap Snooze and you’ll get four extra days to pay.
Build your credit score.
We report to credit reference agencies,
which means you could improve your
credit rating simply by using us regularly
and repaying on time.
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
Got more questions?
FAQsTrying 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'.
To view your Zilch account online, just head to www.payzilch.com, then log in to your account and use the search box to select your retailer. Then tap the green card to view your full card details.
If you have the Zilch App, go to ‘Settings’ and select ‘My Cards’. Then tap the green card to see all your card details.
You can use Zilch almost anywhere online where Mastercard is accepted.
There are however some goods, digital content, and services where you can't use Zilch.
Items you cannot use Zilch for:
-Adult products and content
-Alcohol
-Cash advances
-Credit card and loan payments
-Coins or precious metals
-Foreign currency
-Gambling
-Gaming
-Gift cards (Outside of Gift Cards By Zilch)
-Illegal items and activities
-Money transferring services
-Narcotics and drugs including paraphernalia
-Virtual currency, including cryptocurrency
-Vouchers
-Weapons, including parts and accessories
Funds will not be provided for the purposes of money remittance, money transfer, or electronic wallet transfer.