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

Blog | 4th Feb 2022 | 5min read

New season, new wardrobe? If you’re looking to update your wardrobe, Zilch allows you to buy now and pay later for the clothes you love, spreading the cost over time.

Buy now, pay later is a type of short-term financing that allows you to pay a fraction of the price upfront, and spread the rest over six weeks. The best part is, there are no fees when you shop with Zilch at thousands of stores online.

As one of the leading buy now, pay later providers in the UK, we give you the chance to refresh your wardrobe now, and pay for it later with 0% APR at selected retailers.

If you can’t find the store you’re looking for on our website or in our app, you could pay 25% upfront, plus a small fee to shop with Zilch Anywhere, then spread the rest over 6 weeks.

How it Works:

Simply download Zilch from the App Store or Google Play Store and create an account to start shopping. To make a purchase online, search and select the store you’re looking for by tapping on their tile on our storefront or using the search bar. 

Fully transparent – you will be able to see if we charge an additional fee to shop with your selected retailer before you check out.

Once you’ve agreed to our credit agreement, you’ll be able to checkout with Zilch and pay 25% upfront. The rest of the cost will be split into three installments, spread over six weeks.

To shop in-store, simply enable your card for the store you’d like to shop in and Tap and Pay for your purchase. You can shop in any stores that accept Mastercard.

Zilch offers two exciting ways to pay, and customers can earn up to 2% back in Zilch Rewards when they Pay in 1, both online and in-store. You can also Snooze or delay a payment if they need more time.

Refunds are simple, and security is assured. Zilch is powered by Mastercard, and so paying is as safe and secure as using a debit card.

Shop for Every Occasion: Buy Now, Pay Later on Men’s, Women’s and Kid’s Clothes

A Night Out: Turning Up the Fab with Formalwear

Most people don’t have formal wear just lying around the house. So, when you’re invited to a wedding, asked to prom, or have tickets to a fancy do, getting ready can cause anxiety. Fortunately, with Zilch’s Buy Now, Pay Later, Pay in 4 feature, where you can buy now, pay later for the perfect suit or dress for any occasion by paying 25% initial upfront, and spreading the remaining 3 installments over 6 weeks. Whether you want to turn up the glamour with a designer ensemble, opt for a new look from high street stores like River Island or Next, or take your search online, Zilch can be used anywhere Mastercard is accepted. 

The Job Interview: Dressing to Impress

Job seekers often send out dozens of applications before they get an interview. When the big day comes, looking the part and making a good first impression is often at the front of mind and you’re probably tempted to just wear the same outfit you’ve worn to previous interviews. But wouldn’t it be nice to wear something new and feel your best? Dress for the job you want and get your dream interview outfit with Zilch. 

A Day at the Gym: Getting Fit

Getting in shape — whether hitting the gym or running outside — can get expensive. Want all the gear to get you to your fitness goal? From Adidas to Nike to Lululemon, Zilch gives you access to hundreds of retailers who can kit you out ready to sweat it out. You can buy now, pay later for all your gym 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, which you can let build up and treat yourself to something nice after all your hard work.

Back to School: Dressing for the First Day

When summer vacation comes to an end and parents try to recover from expensive family activities and trips, money can be tight and back-to-school shopping feels out of reach. With Zilch’s buy now, pay later product, back-to-school shoppers can pay 25% upfront and pay for the rest before half term comes round – in 3 instalments over 6 weeks.

Whilst we are here to give you the most empowering way to pay, please remember to keep your finances in check. Shop smart by doing your research and comparing prices before you checkout, shopping off-season or find bargains on sites like eBay. However you decide to shop, the best way is to research and spend mindfully. 

Set monthly budgets and use Zilch to help you stick to them. When you sign up for an account, we will assign you an Available to Split limit, based on a soft credit check we run when we approve you for our service. Good repayment behaviour may mean we increase this over time.

* 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.