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Zilch now.

From 18.6% APR Rep

Credit subject to status.
T&Cs apply

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Zilch Up

For credit building

25.2% APR Rep

Credit subject to status. T&Cs apply

From 25.2% 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.

  • Pay over 6 weeks

  • Pay now for up to 5% Rewards

Fees may apply

Want a higher
credit limit?

Tick off a few simple tasks and you could see your credit limit rise.

  • Pay instalments on time
  • Connect to Open Banking
  • Add Zilch to your digital wallet
  • Use the Zilch app

How paying with Zilch works.

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

Hit Snooze. Get four or eight extra days to pay when you need more time. Fees may apply.

Compare cards.

Zilch Up

25.2% APR Rep

  • No interest or late fees
    Fees may apply
  • Credit limit up to £600
  • Pay over 6 weeks
    25% upfront
  • Pay over 3 months
    25% upfront
  • Pay now for Rewards
  • Snooze payments
  • Credit score in-app
    Coming soon
  • Credit limit builder

Zilch Classic

18.6% APR Rep

  • No interest or late fees
    Fees may apply
  • Credit limit up to £2250
  • Pay over 6 weeks
    25% upfront
  • Pay over 3 months
    25% upfront
  • Pay now for Rewards
  • Snooze payments
  • Credit score in-app
    Coming soon
  • Credit limit builder

See what we can offer you.

Download the app


Credit subject to status. T&Cs apply