Spend
with
benefits.
No interest*. No late fees. Just flexible ways to pay, instant Rewards and credit from £50-£4500. Get a decision in minutes. *Fees may apply
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.*Fees may apply.
Pay with Zilch online or in-store.
Choose Pay now, Pay over 6 weeks or Pay over 3 months.
Add Zilch to Apple Pay or Google Pay for easy tap-and-go shopping.
A real card for your real wallet – ready when you need it.
Browse and shop through the app to unlock offers,
discounts and Rewards on every spend.
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Join over 5m customers
“I love how flexible the payment options are”
“Hassle-free service and no hidden charges”
“Easy as 1, 2, 3 and makes shopping a joy”
Use Zilch responsibly and repay on time and you could improve your credit score.
Get four or eight extra days to pay
when you need more time.
*Fees may apply.
Learn more
Our team’s here to help on Live Chat
or on the phone, seven days a week.
Contact us
Pay over time at thousands
of stores with zero fees.
Only on the app.
Fees may apply at other retailers
Zilch Standard
Zilch Plus
Physical card
Rewards when you
Pay now
Rewards when you Pay
over time via the app
Rewards when you Pay
over time outside the app
Spend Rewards
Priority Customer Support
Zilch Standard
Free£4.99 card fee
2–5%
In-app only
Zilch Plus
£3.99/monthFree
3–6%
1%
0.25%
Everywhere
Track purchases, see your next instalment date and repay early – all in our easy-to-use app.
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Explore FAQs
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How do Zilch Rewards Work?
When you make a Pay now purchase using Zilch, you’ll get up to 5% back in Rewards. You can save them up or spend them straight away online or in-store. Rewards are credited to your account instantly, so you can keep a tab on how much you’re earning – you’ll see yours racking up in the top right corner of the app.
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How do I sign up?
You can sign up to Zilch in just a couple of taps. First, download the Zilch app via the App Store or Google Play Store, then tap Create account and follow the simple instructions. We’ll run a soft credit check and verify your ID. Once you’re approved, you’ll be able to start spending same day.
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How do I get in touch?
Our Customer Support team is here to help seven days a week. You can speak to them via Live Chat in the app (9am–6pm) or give us a call on 020 3405 9775 (9am–5pm).