Is it time to top-up the toybox? Whatever the occasion, Zilch lets you buy now and pay later on the latest toys to keep the kids occupied.
Buy now, pay later is a type of short-term financing that allows you to pay a little of the price upfront, and spread the remaining cost over a certain period.
We pride ourselves on being one of the leading buy now, pay later providers in the UK, so that you can get the tots their toys and then pay for them later with 0 interest at selected retailers.
The best part is, there are no extra fees when you shop with Zilch at some of your favourite online stores. If you can’t find the one you’re looking for on our website or in our app, don’t panic — you can still pay 25% upfront, plus a small fee, to shop with Zilch Anywhere, then spread the rest of the cost over six weeks.
How it works
To get started with your toy purchases, download Zilch from the App Store or Google Play and create an account with us. Once you’re ready to start shopping, search for the store you want or tap its tile on our storefront.
If we charge an additional fee to shop with your retailer, you’ll be able to see this before you check out your toys — we’re always fully transparent.
Once you’ve agreed to our credit agreement, you’ll be able to make your purchase with Zilch Pay in 4. You’ll pay 25% upfront, and the rest of the cost will be split into three separate instalments spread over a six week window.
You can also shop in-store with Zilch. To do so, simply enable your card for the store you want to shop in, and pay for your purchase. You can shop in any store that accepts Mastercard payments.
If you’d prefer to Pay in 1, you can earn up to 2% back on your purchase in Zilch Rewards, both online and in-store. And if you need a little more time, that’s fine by us — simply Snooze to delay a payment.
Paying is as safe and secure as using a debit card — and what’s more, refunds are just as simple.
Shop for every age: Buy now, pay later on kid’s toys
Toys for babies: big fun for the tiny tot
When buying toys for babies, think of all things bold and bright, to enable sensory exploration. Infants are drawn to anything they can grab, hit or shake — and bonus points if it lights up or makes noise. Entertaining a newborn can be straightforward, but chances are the thing they’ll want to get their teeny hands on most is your favourite pair of earrings, or a particularly expensive necklace. So, to keep them distracted, it’s time for toys toys toys! Zilch offers buy now, pay later — or Pay in 1 to earn back in Zilch rewards.
Toys for toddlers: learning on the job
From crawling, to walking, to (kind of) talking — the early years of child development are a chapter of firsts. These are exciting times, but any parent will tell you that they can also be a little stressful. Thankfully, there are plenty of ways to keep toddlers engaged and stop the “twos” from being quite so terrible. Using Zilch’s Pay in 4 feature, bag whichever toys you need to keep the tantrums at bay and spread the remaining three instalments over a six week period.
Toys for pre-schoolers: play now, think later
As your little ones get bigger by the day, their appetite for play is sure to grow too. At this stage, they’re becoming more inquisitive and wise to the world with every new thing they learn. They might start to show a preference for dolls, cars, or anything in between — and with Zilch providing access to hundreds of different retailers to suit their needs, the next obsession is never too far away. Buy now and pay later on pre-schooler toys to keep imaginations running wild.
Toys for school kids: you’re never too old
As they move through the school years, plenty of crazes will come and go. This can make toy shopping a little tricky — you don’t want to be constantly running out to buy games and collectibles that won’t be used in a year’s time. But luckily, there are generations of parents that have gone before you and had the same problem — and you can shop for their pre-loved toys using Zilch on eBay! Buy now, pay later with the first 25% upfront — then spread the remaining cost over the next six weeks.
Toys for young teens: more cool and less school
Once the teen years hit, kids know best — and that means that the toys get cooler, techier, and carry bigger price tags to boot. They’ll take care of keeping up with the latest gadgets, you’ll just have to listen out for the gifts they’d like. But rest assured, toys for teens don’t have to break the bank: Zilch can help split the cost with Pay in 4. That’s until they’re old enough for a Saturday job, anyway — then they’re on their own!
* 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.