As the holiday season approaches, it’s easy to be tempted by the latest trends and must-haves in shop windows and online. Especially at high-end department stores – one look at the price tag and you instantly feel discouraged. With Zilch, there are straightforward and transparent ways to shop for the designer wardrobe you’ve always dreamed of, in a responsible way that doesn’t empty your bank account.
Zilch allows you to buy into your favourite designer trends now, and pay for them later. When you check out with Zilch, which you can do anywhere Mastercard is accepted, you pay for a fraction of your shopping upfront and spread the rest of the cost over six weeks. What’s more, you can shop for free at thousands of stores, online or on the high street.
Please remember that whatever the season, financial wellness is important and you should always shop responsibly. Never spend more than you are comfortably able to pay back over time. When you sign up to Zilch, we run affordability checks to support you in achieving this, however it’s more important that you are also on top of your finances – and that you reach out for help or advice if you are struggling.
How it Works:
To set up an account, download the Zilch app from the App Store or Google Play Store and browse for your favourite retailers. Remember, you can shop with Zilch anywhere Mastercard is accepted, including in-store at department stores like Harrods and Selfridges, or online at designer boutiques. If we charge any additional fees for you to checkout at your selected store, this will be made clear to you when you select the way you’d like to pay before checkout.
If you can’t find the store you’re looking for, you could pay a small fee to shop with Zilch Anywhere. Once you’ve agreed to our credit agreement, you can choose to checkout with Zilch and pay for only 25% of your purchase upfront. The rest of your purchase will be split into three equal installments, which will be automatically debited from your linked bank account over six weeks.
To shop with Zilch in-store, upload your virtual card to your digital wallet, enable it for the store you’d like to shop at and Tap and Pay for your purchase.
If you’d prefer to earn as you spend, you could opt to Pay in 1 to earn up to 2% back in Zilch Rewards. Zilch Rewards can be used to discount your next purchase or can be saved to reduce the cost of that something special. You can also earn Rewards by referring your friends to Zilch and sharing the love.
* 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.