Zilch: Get Credit & Pay Later

Editor's Review

Welcome to Zilch, the smart way to pay and manage your money! 🚀 With over 5 million customers already enjoying the benefits, Zilch is revolutionizing the world of consumer credit. Featured on Bloomberg and The Telegraph, Zilch offers a flexible and rewarding way to shop.

What is Zilch? 🤔

Zilch is on a mission to eliminate the costs of consumer credit. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has provided customers with over £600 million in rewards and savings. As Europe's fastest company to achieve double-unicorn status, Zilch continues to innovate and provide value.

Key Features: ✨

• Pay Over 6 Weeks: Shop at your favorite stores like eBay and Amazon and pay over six weeks with zero fees. Just enable your card in the app before you shop! 🛍️
• Pay Over 3 Months: Need a bit more time? Zilch lets you pay over three months (subject to eligibility) anywhere in the app. Fees may apply. 🗓️
• Instant Rewards: Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. Plus, receive 0.5% back when using Zilch Anywhere or Tap and Pay in-store. 🎁
• Build Your Credit Score: Use Zilch responsibly by keeping up with your repayments, and you could see your credit score increase over time. 📈
• Grow Your Credit: Get a credit limit tailored to you and follow easy steps to potentially increase your available credit responsibly. 💰
• Customer Support: Need help? Zilch’s dedicated Customer Support team is available from 9am–6pm, seven days a week. 📞
• Snooze Payments: Need more time to pay? Hit Snooze and get 4 or 8 extra days to pay, subject to eligibility. Fees may apply. ⏰

How Does Zilch Work? ⚙️

1. Explore the app to find where you want to shop. 📍
2. Can’t find your store? Tap Zilch Anywhere. 🌐
3. Choose whether you want to Pay now or spread the cost. 💸
4. Tap Enable card, then you’ll be automatically taken to your chosen store to fill your basket and check out. ✅

Privacy and Security: 🔒

Zilch Technology Limited is committed to protecting your privacy. They use the latest data security measures to protect your personal and financial data and only retain your data as long as necessary.

Want to Suggest Improvements? 💡

Zilch is always open to improvement! Send your suggestions to whatif@payzilch.com.

Features

• Quick application process

• Pay over 6 weeks, zero fees

• Pay over 3 months option

• Instant Zilch Rewards

• Build your credit score

• Grow your credit limit

• Customer support available

• Snooze payment option

Pros

• Quick application process

• Shop at numerous stores

• Potential credit score increase

• Tailored credit limits

• Customer support available

• Option to Snooze payments

• Rewards and savings

• Available on Apple/Google/Samsung Pay

Cons

• Fees may apply for some payment options

• Credit subject to status and T&Cs