Zilch and Jewellery: Buy Now, Pay Later

Blog | 10th Oct 2022 | 4min read

If you’re looking for that perfect way to treat someone special or just to spoil yourself – a beautiful piece of jewellery might be the answer. With Zilch, you can afford that necklace or ring you’ve had your eye on by paying only 25% of it upfront, and spreading the rest of the cost over time.

When you buy now, pay later with Zilch, you can split the price of a purchase into four equal payments and pay them over six weeks. When you make a purchase online or in-store and agree to our credit agreement, we will automatically debit the installment from your linked account every fortnight. 

You can shop for free at thousands of retailers online or in-store via our website or mobile app, from high-end jewellers to high street favourites like River Island and Next. If you can’t find the store you’re looking for, you could opt to pay via Zilch Anywhere for a small additional fee. It will become clear whether or not you will be charged a fee at your selected retailer when you go to enable your virtual Zilch card. 

How it Works:

Once you’ve set up an account with Zilch you can search for your store in our app or via our website. Because you can shop with your Zilch card anywhere that Mastercard is accepted, if you can’t find the store you’re looking for on our storefront, you can simply shop using Zilch Anywhere. 

To checkout 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.

Please remember that as important as it is to treat yourself and the people you love, you should always shop responsibly. Please don’t 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 is more important that you are also on top of your finances – and that you reach out for help or advice if you are struggling. 

Shop for Every Occasion: Split the Cost of Jewellery

Bring the Glamour –

Got a big wedding, birthday, or event coming up? With Zilch’s Buy Now, Pay Later, Pay in 4 feature, you can buy now, pay later for the perfect jewellery to complement your outfit by paying 25% initial upfront, and spreading the remaining 3 installments over 6 weeks.

Everyday Essentials –

Every jewellery box needs reliable items that never go out of style. From timeless pendant necklaces to a perfect pair of hoops, they’re the pieces you want to wear everyday, and never take off. You can buy now, pay later for all your jewellery essentials, paying 25% upfront and splitting the cost of the rest over 6 weeks, or Pay in 1 and get up to 2% back in Zilch Rewards.

The Perfect Gift –

As every jewellery lover will testify, great gifts come in small packages. If you want to buy a shiny new item for a loved one, splitting the cost over 6 weeks with Zilch may help you to do so. Remember to shop smart by doing your research and comparing prices before you checkout, shopping off-season or find pre-loved bargains on sites like eBay.

* 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.