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Zilch X

Zilch
X
For extra benefits
For extra benefits

14.9% 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: 14.9% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34.

Up to £4500
credit limit.

Get a limit tailored to you.

No interest.
No late fees.

Fees may apply.

Pay from 0%
at checkout

Pay from zero at checkout when you
Pay over 6 weeks or 3 months.
Subject to eligibility.
Fees may apply.
More ways to pay.
Pay now
for Rewards

Up to
5% back

Pay over
6 weeks
Pay over
3 months
Rewards.
    Every
    where.
      Instantly
      Get up to 5% back in Rewards on every purchase when you Pay now. Use them to get money off your next shop or save them up for something special.

      Learn more

      How paying with
      Zilch works.

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

      Pay from 0% upfront and the rest
      over six weeks. Fees may apply.

      Today

      0% paid

      In 2 weeks

      33.3% due

      In 4 weeks

      33.3% due

      In 6 weeks

      33.4% due

      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
      Income verification
      We'll verify your income via Open Banking to unlock smarter offers.
      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
      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
      £3.99/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

      Income verification

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

      Rewards when you Pay
      over time outside the app

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

      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

      £3.99/month

      Up to 6%

      1%

      0.25%

      Everywhere

      Free

      Apply now

      Got a question about Zilch X?


      Read FAQs