Zilch at all your
favourite brands.

Shop anywhere Mastercard is accepted. Buy now and pay later over 6 weeks. Or Pay in 1 and get up to 2% back instantly.

Download the free Zilch app.

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APR 18.1%

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) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply

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

Where Mastercard is,
Zilch is.

Whether checking out online or in store, you can Pay in 4 or Pay in 1 everywhere.

Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply

Got more questions?

FAQs Support
How do I finish signing up to Zilch?

Here’s what you’ll need:

  • A valid UK debit card
  • A UK mobile phone number
  • An email address

Also prep these docs:

  • Government issued photo ID
  • Proof of address (needs to be dated within the last 3 months)

P.S. Your proof of address doesn’t need to match your debit card’s billing address. For example, if you’re at Uni and your debit card is registered at your non-term time address, no worries —we’ll still accept it!

Lastly, just snap a selfie holding up your photo ID then upload.

Does Zilch run credit checks?

We do a soft credit check when you sign up with Zilch. This allows us to determine your Available spend amount with us.

Any missed payments will be reported to Credit Reference Agencies, and this may affect your credit score.

What is Zilch Boost and how does it work?

Anything over your available spend will be added to your first payment at checkout. Pay the rest over 6 weeks. This will involve both making a credit payment, up to the value of your available balance, and debit payments, using the debit card you have registered with us, for the remaining amount.

For example, if your available spend is £200 and you use Zilch Boost to make a £300 purchase:

Your first payment (made at the time of purchase) would be £150.

This includes both your first Zilch re-payment of £50 (a quarter of your available spend) and the extra £100 you spent.
Your second, third and fourth instalment payments will each be £50.