Shop Now, Pay Later Apps to Watch Out For

Blog | 11th Oct 2021 | 6min read

By far one of the most significant developments over the last 15 years or so, both in our everyday lives and for the global economy, has been the astronomical rise of apps. 

From social media apps like Snapchat or Whatsapp to financial companies such as Robinhood which turns you into a stockbroker, the possibilities are limitless. 

But with countless apps on the market, the agony of choice is almost unbearable. That’s where we come in. Here, we’ve created a list of 12 apps that you can download today, and is available using Zilch’s buy now, pay later* with all apps. 

By the way, you can also pay in full for these apps with Zilch to instantly get 2% cashback in Zilch Rewards, which you can use to discount your next shop.

Here are some of the apps you could Zilch!


Nowadays in society, we don’t like to wait. This extends to reading books. Blinkist summarises dense chapters of non-fiction books into one or two sentences, basically condensing tomes of knowledge into less than a page.

There’s a well-known phrase amongst bookworms, “Somewhere out there is a book that will change your life, you just need to find it and read it.” Well, find that life-changing book much sooner with this hyper-useful cure to boredom.


Of course, Uber being on this list is hardly a surprise to anyone. The hero of commuters and tourists, whilst being the mortal enemy of black cabs, Uber is everyone’s favourite example of the new “gig economy”.

Uber allows drivers to be their own boss, choosing when or where they work, whilst simultaneously offering competitive taxi fares.

What’s more, gone are the days of awkwardly calling a taxi service, hoping that they pick up so you can book a ride. With Uber, booking a car is easy-peasy- simply schedule a ride with a couple of taps, and await your chariot.


As much as we would like this to not be the case, 80% of your health and fitness is determined by your diet.

12 Must Have Shop Now Pay Later Apps blog landing desktop - Zilch

With myfitnesspal, you can effortlessly track your calorie intake, simply by scanning the barcodes on your food packaging. It’s never been easier to create your own, personal fitness database.

Just Eat

Fancy a night in? Well, Just Eat is the best companion for that.

Offering delivery from tons of local restaurants, pick and choose from a limitless choice of different cuisines.


As it’s no surprise to anyone, Amazon definitely makes this list. Before, you needed to wait until you were sat behind a computer to order anything from Amazon. Well, no longer.

Apart from being able to order whatever you want from Amazon’s seemingly limitless inventory, you can also manage all of your Amazon Alexa products through the app.

Did you forget something at the grocery store? No bother. In certain locations, simply use Amazon grocery, and watch your carton of milk magically appear outside your door within 2 hours. The drones are pretty awesome, too.


One of the UK’s favourite Asian-fusion restaurants, it may confuse you ow a brick and mortar restaurant made it onto this list.

Since the COVID-19 pandemic, Wagamama allows its app users to pay for their food through the app, offering a solid rewards program to complement it.


One of the largest online fashion stores in the UK, ASOS is a household name for online shopping.

You can always rely on ASOS to offer trendy, yet affordable clothes. Its delivery is super speedy, too, with more orders coming in less than 3 days.

Apple TV+

Although offering some masterpieces like The Morning Show, for free, Apple TV+ excels in its extensive library, with countless TV, movies and songs available for purchase.

We all know the feeling; craving to find that one movie but alas, Prime Video, Netflix and Hulu have left you frustrated. It’s on Apple TV+.


Whilst we apologise for potentially getting your hopes up, regrettably, you can’t stream new releases directly to your devices. But, the whole experience of going to the cinema is one we have sorely missed over the past couple of years.

With the Cineworld app, you can book, as well as pay, for your bookings online. Be the first to know about exclusive deals for students, infants and much more by enabling notifications through the app.  With Zilch’sshop now pay later through apps, you can fully enjoy your movie-going experience without having to worry about paying.

AutoSleep Tracker

It’s a kind of a scary fact, but it’s a fact nonetheless. We spend roughly 30% of our lives fast asleep. That means if you live to 80 years old, you’re asleep for around 25 years.

With this in mind, it’s so important to make sure you get the most out of your rest with the Autosleep tracker app.

Costing only £4.99 as a one-off purchase, this app will help you put your body to rest, while we can put your mind to rest, offering shop now, pay later with apps.

Apps help you get more out of life, whereas we help you get more out of apps. Zilch is an app unlike any other, helping you remove the only thing standing between you and having these apps at your disposal; the price. 

With our buy now, pay later for apps, you only have to pay 25% upfront, and pay the rest over 6 weeks*. But, the ball is in your court. If you’re having a good month, then you’re more than welcome to pay for it upfront. In fact, you’re encouraged. 

Again, when you pay in full, you’ll get 2% cashback in Zilch Rewards and you can use your Zilch Rewards to discount your next purchase or save them to buy something on your shopping list.

Buy now, pay later is not exclusive to Zilch, but almost all of our competitors offer only a few select stores. So, we hear you ask, “Is there any store where I can’t use my Zilch card?”. Practically nowhere, Zilch is accepted everywhere where MasterCard is.

*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). Rep Example: based on total spend: £240 (+ £2.50 transaction fee). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply.