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Zilch Classic for flexible spending

Zilch
Classic

For flexible spending

18.6% APR Rep

Credit subject to status. T&Cs apply

From 18.6% APR Representative
Representative Example: 18.6% APR Rep based on total spend: £495 (+£5.30 fees). Total repayable: £500.30 paid over 6 weeks or 3 months, 1st payment £129.05, then 3 payments of £123.75. 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.

Pay your way with
no interest

Zilch Classic gives you the flexibility to spend on your terms with a credit limit up to £3000 and no interest*. Spread payments over 6 weeks or 3 months for bigger purchases. Prefer to pay upfront? Earn up to 5% back in Rewards. Check your eligibility today. 18.6% APR Rep. Credit subject to status. *Fees may apply

Apply now

“Just made my first transaction and it was so easy, the app is brilliant. I can’t see myself using anything else.”

Trustpilot

Hit Snooze.

Get four or eight extra days to pay when you need more time. Available for Pay over 6 weeks. Fees may apply.

How Snooze works

Get rewarded.

Pay in full to get up to 5% back in Rewards. Use Rewards to get money off your next purchase or save up for something special.

Discover Zilch Rewards

How paying with
Zilch works.

  • Pay over 6 weeks
  • Pay over 3 months
  • Pay now for Rewards

Pay 25% upfront and the rest
over six weeks. Fees may apply.

Today

25% paid

In 2 weeks

25% due

In 4 weeks

25% due

In 6 weeks

25% due

Good

0

Build your
credit score.

A good credit score gives you access to better credit deals and interest rates. And we could help you build yours.

Rewards when you
Pay now
Earn these Rewards when you pay in full with Zilch
Got it
Rewards when you Pay over time via the app
Earn these Rewards when you enable your card in the app before checkout
Got it
Rewards when you Pay over time outside the app
Earn these Rewards when you pay without enabling your card before checkout
Got it
Income verification
We'll verify your income via Open Banking to unlock smarter offers.
Got it
Spend Rewards
Use Rewards to get money off your next purchase or save up for something special
Got it
Physical card
Every Zilch customer gets a virtual card and you can order a physical one, too. Use either, whenever it suits you.
Got it
Priority Customer Support
Get the answers you need, faster
Got it
tastecard membership
Get 2-for-1 meals or 25% off the total bill at thousands of restaurants
Got it

Choose the plan for you.

Fees may apply

Zilch Standard
Free
Zilch Extra
£2.99/month
Zilch Plus
£4.99/month

Zilch Standard

Zilch Extra

Zilch Plus

Rewards when you
Pay now

Earn these Rewards when you pay in full with Zilch

Rewards when you Pay over time via the app

Earn these Rewards when you enable your card in the app before checkout

Rewards when you Pay over time outside the app

Earn these Rewards when you pay without enabling your card before checkout

Income verification

We'll verify your income via Open Banking to unlock smarter offers.

Spend Rewards

Use Rewards to get money off your next purchase or save up for something special

Physical card

Every Zilch customer gets a virtual card and you can order a physical one, too. Use either, whenever it suits you.

Priority Customer Support

Get the answers you need, faster

tastecard membership

Get 2-for-1 meals or 25% off the total bill at thousands of restaurants

Zilch Standard

Free

Up to 5%

In-app only

£4.99 card fee

Zilch Extra

£2.99/month

Up to 5%

Included

Everywhere

£4.99 card fee

Zilch Plus

£4.99/month

Up to 6%

1%

0.25%

Included

Everywhere

Free

Apply now

Got a question about
no interest credit cards?


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