Two ways to
Buy now, pay later over 6 weeks with 0% APR and 0 fees. Or pay now and get 2% cash back.
Download the free Zilch app.
The virtual Zilch Mastercard
Shop now, pay later with 0% APR and 0 fees.
Split your payments into 4 installments anywhere with 0% APR and 0 sign up fees, 0 late fees and 0 overdraft fees.
Pay now and earn 2% cash back.
Pay in full and instantly get 2% back in Zilch Rewards.
Pay in 4 over 6 weeks.
You pay part of your purchase at checkout, then the rest over 6 weeks. Ideal for bigger buys, or if you just need a little extra time.
The first installment payment varies between 25% and 50%.
Pay 25% or 50% of your purchase upfront.
Your remaining balance will be split into 3 installments every 2 weeks.
Your next payment is 4 weeks after checkout.
6 weeks after checkout, you’re done!
Zilch everywhere online.
Amazon, Target, Nike, Sephora, Walmart…
Shop at all your favorite brands and check
out with the virtual Zilch Mastercard
There’s no need!
Wherever you can use Mastercard,
you can use Zilch. Simple.
Search for any brand
Pay in 1 and get 2% cashback.
Check out using “pay all at once” to get instant 2% cash back in Zilch rewards.
With a capital ‘R’.
Stay on top of your payments.
With the Zilch app it’s simple and easy to stick to your budget.
Tailored to you.
A spend limit that is tailored for you and builds over time as you make your scheduled payments.
Security comes first.
We protect your account by using:
- Multi Factor Verification
- Data Encryption
- Payment Authentication
“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
The Zilch blog.
Check out our Zilch shopping guides to stay up to date with the latest trends and experiences.
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