Shop anywhere Mastercard is accepted. Buy now and pay later over 6 weeks. Or Pay now and get up to 5% back instantly.
Download the free Zilch app.
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: 22.6% APR Representative (fixed) based on total spend: £780 (+£14.50 fees). Total repayable: £794.50 paid over 6 weeks, 1st payment £209.50, then 3 payments of £195.00 every 2 weeks.
Whether checking out online or in store, you can Pay over 6 weeks or Pay now everywhere.
Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
Iceland - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
Apple - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
Dunelm - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
Next - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
Curry's PC World - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
The Body Shop - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
eBay - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
River Island - Buy Now, Pay Later | Pay in 1 for Rewards ― Zilch
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
Here’s what you’ll need:
Also prep these docs:
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.
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.
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.