Zilch and Electronics: Buy Now, Pay Later or Pay in 1 for Rewards

Blog | 20th Oct 2022 | 4min read

Whether you use them for work, play, or just to make the commute that little bit less painful, electronics are an integral part of our day-to-day lives. However, essential though they may be, they’re often expensive. 

This is where Zilch can help. We enable you to buy now and pay later for your tech products, so you can spread the cost over time.

Zilch is one of the UK’s top buy now, pay later providers — with us, you can pay 25% of the upfront price at checkout and divide the remainder into three more instalments, spread over six weeks with zero interest at thousands of selected retailers.

How it Works:

First off, you’ll need the Zilch app — download it on the App Store or Google Play, and make an account. 

To make your first purchase, select the store you want from our homepage. If you can’t find a store that stocks your gadgets, you can pay a small extra fee to use Zilch Anywhere and shop wherever you like — provided they accept Mastercard. We’re fully transparent — you’ll always be able to see whether we charge an extra fee to shop with your selected retailer before you buy. If you’d rather buy in-store, enable your card for your shop of choice and simply pay for your purchase at the till. 

You can pay using Zilch Pay in 4 and spread the cost over six weeks, or Pay in 1 and earn up to 2% back in Zilch Rewards. If you need a little more time, you can also Snooze to delay a payment. Plus, if you need a refund, the process is simple — payment is always as safe and secure as using a debit card.

Buy Now and Pay Later across All Electronics

Mobile Phones

These days, our phones do it all — actually making calls is probably at the bottom of our priority list, after social media, gaming, taking photos and shopping. But all those features come at a price, so Zilch offers the opportunity to spread your payments over a six week period to manage the cost. Lovers of the latest iPhone will be pleased to know we offer buy now, pay later on electronics at Apple and plenty of your other favourite retailers.

Laptops, Computers & Tablets

For the workaholics among you, Zilch can also help out with designing an office-level work-from-home setup, kitting you out with the latest PCs, laptops, tablets and hybrids. We offer buy now, pay later at Currys PC World so you can stock up on all the cutting-edge tech and appliances you need, or secure up to 2% in Zilch Rewards with Pay in 1.

Find out more about buying laptops with Zilch here.

Smart TVs

If you think your mobile can do it all, wait until you see the latest and greatest in televisions. Bundling TV, streaming, internet and radio into one, smart TVs are the premier entertainment hub for your living room. With the option to pay now and divide the cost with Zilch Pay in 4, there’s no need to wait to binge your next favourite series on the big screen.

Find out more about buying TVs with Zilch here.

Video Games & Consoles

The gaming industry is booming, and as our favourite characters get scaled into high-res and stocked up with new powers and abilities, their price tags are getting a one-up too. If you’re looking for the best deals on pre-loved video games, consoles and accessories, online marketplace eBay is the way to go. Zilch buy now, pay later covers eBay purchases to make sure you can press buy before those auctions expire, and pay for it later.


Camera models, lenses and stands are the bread and butter of photographers. If you have the vision, we can cover the tech — Zilch offers buy now, pay later on UK electronics retailers all over. Once you’ve paid the upfront 25% of the cost, you’ll have a six week window to pay the remaining instalments — so you can get snapping while we handle the rest. It’s that simple.

* 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.