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Exclusive to Zilch Classic and Zilch X.

Pay over 3 months.
Aaand relax.

From 14.99% APR Rep

Credit subject to status. T&Cs apply

From 14.99% APR Representative
Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply. Representative Example: 14.99% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34.

Why Pay over
3 months?

From home makeover to dream holiday, Pay over 3 months lets you spread the cost even further on those bigger buys. Check if you’re eligible today.

Apply now

How paying with
Zilch works.

Pay 25% upfront and the rest
over six weeks. Fees may apply.

Today

25% paid

In 2 weeks

25% due

In 4 weeks

25% due

In 6 weeks

25% due

It’s easy to Pay over 3 months in the app.

Step 1

Explore the deals or search for your favourite retailer.

Step 2

Choose Pay over 3 months for a low or no fee.

Step 3

Tap Enable card, then go shop. Remember to use your Zilch card details at checkout. Fees may apply.

Stay in control.

Keep track of your purchases, check
when your next instalment is due and
repay early whenever you like – all on
our easy-to-use app.

Big brands.
Big deals.

Don’t miss out on offers and
voucher codes exclusive to Zilch.

Claim your offers

Got a question about Pay over 3 months?


Read FAQs