Great for credit builders:
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 fee.
You’ll pay 50% of your purchase upfront, plus any fees. And with responsible spending we’ll lower it to 25% upfront.
Make a payment every 2 weeks so that in six weeks, you’re done.
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: 25.2% APR Representative (fixed) based on total spend: £230 (+£4.77 fees). Total repayable: £234.77 paid over 6 weeks, 1st payment £62.27, then 3 payments of £57.50 every 2 weeks.
Customers with low credit scores are accepted but some restrictions apply to support responsible lending.
Get a clear history of all your purchases with one tap and easily track all your ongoing payments.
Need more time? Tap Snooze and you’ll get four extra days to pay. Fees may apply.
Our dedicated Customer Support team are on hand to answer all
Keep an eye on your credit score in the Zilch app.
You could improve your credit rating by using our interest-free credit regularly and repaying on time.
When you join Zilch, you’ll get a credit limit tailored to you and easy-to-follow steps that could see that limit rise.
“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
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 get
0.5% back in Rewards.
Whether on the high street, in a restaurant or at the hairdressers, you can Tap and Pay with Zilch.
We’re all about responsible spending, why is why you have a balance limit. This measure is in place so you won’t overspend.
Your available spending limit will be restored each time you pay off a purchase in full (not when you make single payments). For example, if you purchased something for £40, your available spending limit will be restored once you pay back the full £40 in 4 instalments.
Trying to contact us? Here's how you can!
Please visit our Help Centre here.
If you can’t find the answers there, don’t worry. We’re on live chat ready to answer your questions from 8am to 8pm Monday to Sunday.
Once logged into your app, click on the options menu in the top right-hand corner and select 'Help'.
We all buy things but change our minds. And the great thing is that with Zilch getting a refund is hassle free.
Refund your order as you normally would online or in-store. As soon as we receive your refund from the store, we will check whether you have an outstanding balance on your purchase.
If you’ve returned your entire order and the full order has been refunded, all future payments will be cancelled and any payments made will be refunded.
If you’ve returned some items in your order and received a refund, we’ll apply this to your instalments to reduce future payments. If your partial refund is larger than the balance you have left to pay, then we’ll refund you the difference. Generally, refunds are applied starting with your final payment, working backwards to earlier payments.