Pay your way.
The Classic account with the best of Zilch:
Transaction fees may apply. Missing payments could negatively impact your credit score
Two ways to Zilch.
Pay over 6 weeks with no interest.
We have thousands of online stores with zero fees on our app – all you need to do is enable your card. And because we’re a Mastercard, you can pay over time anywhere else – online or in-store – for a small fee up to £3.
Pay now for Rewards.
Get up to 5% back in Zilch Rewards when you shop online by searching our app for your chosen store and enabling your card to Pay now before checkout.
Pay anywhere else with your Zilch card to receive 0.5% back in Rewards.
*22.6% 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: 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.
Features you’ll love.
Save money at your favourite stores with Zilch voucher codes.
Need more time? Tap Snooze and you’ll get four extra days to pay.
Get a clear history of all your purchases with one tap and easily track all your ongoing payments.
Get the help you need.
Our dedicated Customer Support team are on hand to answer all your questions.
Why Pay over 6 weeks?
It’s ideal for bigger buys where you need a little extra time. And it’s simple…
You’ll pay between 50% and 25% of your purchase.
We’ll split the rest into three instalments
Make a payment every 2 weeks so that in 6 weeks, you’re done.
Why Pay now?
Get up to 5% back in Zilch Rewards instantly when you pay in full. Nice, right? Use your Rewards towards your next purchase or save them up for something special.
Tap and Pay too.
Whether on the high street, in a restaurant or at the hairdressers, you can Tap and Pay with Zilch.
Join more than
3 million customers.
“Nice and easy. You are always in control.
Should have been about years ago.” Cheryl Chamberlain
“This app is amazing. I love it! ” James Bird
“This is a great way to do your
shopping. Easy to set up. So happy.” Kimberly Chapman
Build your credit score.
You could improve your credit rating by using our interest-free credit regularly and repaying on time.
A higher credit limit could be yours, too.
When you join Zilch, you’ll get a credit limit tailored to you and easy-to-follow steps that could see that limit rise.
Last year we rewarded customers with over £5.8M in Zilch Rewards.
Refer a friend. Get £5 each.
Once you’re in and loving Zilch, refer a mate and you’ll both get £5 in Rewards when they’ve made their first Tap and Pay purchase. Cha-ching.
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