Dunelm now, pay later or Pay in 1 for Rewards.

Shop for the latest homeware and furniture at Dunelm and checkout with Zilch. Buy now and pay later over 6 weeks with no interest. Or Pay in 1 and get up to 5% in Rewards.

Download the free Zilch app.

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APR 18.1%*

4.6 / 5.0

Using Zilch at Dunelm.

1.

Select Dunelm on the Zilch app.

2.

Choose how you want to pay.

3.

Enable the Zilch card and start your shop at Dunelm.

4.

Check out with the Zilch card.

1.

Tap ‘Shop in store’.

2.

Choose how you want to pay.

3.

Tap and you’re done.

*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

*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

How Pay in 4 works.

Pay 25% upfront, then the rest in 3 instalments over 6 weeks. Ideal for bigger buys, or if you just need a little extra time.

Learn more

Checkout.

Pay 25% upfront.

2 weeks later.

Autopay 25%.

4 weeks later.

Autopay the next 25%.

6 weeks later.

Final 25%. You’re done.

Tap and Pay too.

If you’re in store at Adidas, you can Tap and Pay with Zilch.

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A single purchase (£2,000 max)

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

The Zilch app.

The easy way to shop, manage your payments and more.

Download now.

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Refund, done.

As soon as Adidas accepts your return, we’ll refund you.

Join more than 2 million customers.

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4.6 / 5.0

“Nice and easy. You are always in control. Should have been about years ago.” Cheryl Chamberlain

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“This app is amazing. I love it!” James Bird

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“This is a great way to do your shopping. Easy to set up. So happy.” Kimberly Chapman

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Got more questions?

FAQs Support
How does my available spend work?

We’re all about responsible spending, why is why you have a balance limit. This measure is in place so you won’t overspend.

Your available spending limit will be restored each time you pay off a purchase in full (not when you make single payments). For example, if you purchased something for £40, your available spending limit will be restored once you pay back the full £40 in 4 instalments.

How to contact Zilch?

Trying to contact us? Here's how you can!

Please visit our Help Centre here.

If you can’t find the answers there, don’t worry. We’re on live chat ready to answer your questions from 8am to 8pm Monday to Sunday.

Once logged into your app, click on the options menu in the top right-hand corner and select 'Help'.

What happens to my payments when I refund an order?

We all buy things but change our minds. And the great thing is that with Zilch getting a refund is hassle free.

Refund your order as you normally would online or in-store. As soon as we receive your refund from the store, we will check whether you have an outstanding balance on your purchase.

Full Refunds:

If you’ve returned your entire order and the full order has been refunded, all future payments will be cancelled and any payments made will be refunded.

Partial Refunds:

If you’ve returned some items in your order and received a refund, we’ll apply this to your instalments to reduce future payments. If your partial refund is larger than the balance you have left to pay, then we’ll refund you the difference. Generally, refunds are applied starting with your final payment, working backwards to earlier payments.