Customers
Corporate

          Zilch Up

          For credit building

          25.2% APR Rep

          Credit subject to status. T&Cs apply

          From 25.2% 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: 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.

          “Zilch has single-handedly helped repair my credit score. By using it correctly and making early payments I've now been accepted for other credit cards - all with a decent APR.”

          Trustpilot

          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 over 6 weeks
          • 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

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

          How Snooze works
          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
          building your credit?


          Read FAQs