£12.99/month One-month free trial
Get a spend limit
up to $1000.

£12.99/month One-month free trial
Get a spend limit
up to $1000.

It’s quick to apply and you can start spending same day with no transaction fees, no interest and no impact on your credit score. Sound good?

Download the app.

Download Now
Join over 3.6 million customers.

Brilliant little app. Really helpful and easy to use. And helps you spread the cost.”

How Zilch works.

Pay Over 6 weeks
Pay Today
At checkout, you’ll pay 25% or 50% of your purchase upfront and we’ll split the rest into three installments.

Make a payment every two weeks so, in six weeks, you’re done.
Example shown is based on 25% down payment.
Today 25% paid
In 2 weeks 25% due
In 4 weeks 25% due
In 6 weeks 25% due

Get Rewarded.

Earn up to 10% back in Zilch Rewards every time you pay in full, then use your Rewards to discount your next purchase.

Grow with Zilch.

Use Zilch regularly and repay on time to watch your spend limit rise. Extra good news? Zilch has no impact on your credit score. Zero.

Tap and Pay too.

Whether you’re at the mall or out for dinner, you can now Tap and Pay in-store with Zilch.


With a capital ‘R’.

Stay in control.

See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments.

Help when you need it.

Our dedicated Customer Support team is on hand to answer all your questions, seven days a week. 

Security comes first.

We protect your account by using:

  • Multi Factor Verification
  • Data Encryption
  • Payment Authentication

Got more questions?

FAQs Support
How to contact Zilch?

Have a question? Please check out our FAQ's below. For all general enquiry, just give us a shout via our live chat service located on our home page.

We are on live chat 8am - 8pm.

For Technical Support with Tap and Pay, please contact 020 3405 9775 (option 2) for the following issues:

  • If you are unable to link your card to your device
  • Have been unsuccessful in making a Tap and Pay purchase
  • You are unable to see your Zilch card in your device wallet

Our Tap and Pay Technical Support line is open between 9 am and 5 pm Monday to Friday. (excluding bank holidays).

Please note, if your query is not Tap and Pay related, you can also call our Customer Support team on 020 3405 9775 (option 1) on Monday to Sunday 9am-6pm

If you are experiencing financial difficulty, please let us know by contacting our Support team via live chat and we can let you know what options we have available to help you. Alternatively, more information can be found here.

How does my available spending limit work?

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.

Can my available spend be increased?

Yes! Based on how you’ve used Zilch, we may choose to upgrade certain users so that they have a higher available spend. 😀

When we upgrade, we look at your payment history. The more often you use Zilch and the more you pay on time, the greater your chances of having a higher available spend.