Customers
Corporate
          New

          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 £2250 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%-50% 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

          Credit score in-app coming soon.

          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. Credit score in-app coming soon.

          Representative APR
          Zilch doesn’t charge interest, but some retailers may have a small fee. We include these fees in the Representative APR, showing the cost of borrowing over a year, so you can easily compare your options.
          Got it
          No interest or late fees
          (Purchase fees may apply)
          You’ll pay zero interest when you Pay over 6 weeks or 3 months. You’ll never be charged late fees. Fees may apply.
          Got it
          Credit limit
          Your credit limit is the maximum amount you can borrow with Zilch. We set it responsibly to help you borrow within your means and keep repayments manageable.
          Got it
          Pay over 6 weeks
          (Fees may apply)
          Pay over 6 weeks lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every two weeks – with no interest charged.
          Got it
          Pay over 3 months
          (Fees may apply)
          Pay over 3 months lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every month – with no interest charged.
          Got it
          Pay over 6 months
          (Fees may apply)
          coming soon.
          Got it
          Pay now for Rewards
          With Pay now, you pay the full amount straight away and get up to 5% back in Zilch Rewards. It’s an easy way to pay and earn something back at the same time.
          Got it
          Snooze payments by
          (Fees may apply)
          You can use Snooze to delay an upcoming instalment by 4 or 8 days. Subject to eligibility. Fees may apply.
          Got it
          Credit score in app
          coming soon.
          Got it
          Credit limit builder
          Tick off the tasks in your credit limit builder and you could increase your credit limit.
          Got it

          Compare Cards.

          Zilch Up
          Zilch Classic
          Zilch X

          Zilch Up

          Apply Now

          Zilch Classic

          Apply Now

          Zilch X

          Apply Now

          Representative APR

          Zilch doesn’t charge interest, but some retailers may have a small fee. We include these fees in the Representative APR, showing the cost of borrowing over a year, so you can easily compare your options.

          No interest or late fees
          (Purchase fees may apply)

          You’ll pay zero interest when you Pay over 6 weeks or 3 months. You’ll never be charged late fees. Fees may apply.

          Credit limit

          Your credit limit is the maximum amount you can borrow with Zilch. We set it responsibly to help you borrow within your means and keep repayments manageable.

          Pay over 6 weeks
          (Fees may apply)

          Pay over 6 weeks lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every two weeks – with no interest charged.

          Pay over 3 months
          (Fees may apply)

          Pay over 3 months lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every month – with no interest charged.

          Pay over 6 months
          (Fees may apply)

          coming soon.

          Pay now for Rewards

          With Pay now, you pay the full amount straight away and get up to 5% back in Zilch Rewards. It’s an easy way to pay and earn something back at the same time.

          Snooze payments by
          (Fees may apply)

          You can use Snooze to delay an upcoming instalment by 4 or 8 days. Subject to eligibility. Fees may apply.

          Credit score in app

          coming soon.

          Credit limit builder

          Tick off the tasks in your credit limit builder and you could increase your credit limit.

          Zilch Up

          Apply Now

          25.2%

          Up to £600

          25% or 50% upfront

          4 days

          Coming soon

          Zilch Classic

          Apply Now

          18.6%

          Up to £2250

          0% or 25% upfront

          0% or 25% upfront

          4 or 8 days

          Coming soon

          Zilch X

          Apply Now

          14.99%

          Up to £2250
          (£5000 coming
          soon)

          0% upfront

          0% upfront

          Coming soon

          4 or 8 days

          Coming soon

          Got a question about
          no interest credit cards?


          Read FAQs