Don’t get trapped by traditional credit. Shop at thousands of participating brands with 0% APR or Zilch Anywhere for a small fee (representative APR: 11.5%).
Thousands of stores pay us a lil’
something so you can shop with
them without
extra charges. Other
stores have a small fee.
Manage your cashflow with a balance
personalised to you. All in one place, for
your peace of mind.
Zilch is a virtual Mastercard.
It's as safe as using your bank card.
Need more time to make
that payment? Tap snooze.
Voila, you’ll get 4 extra
days.
Get Zilch Rewards by selecting ‘pay it all now’
at checkout with no fees.
Once the store accepts the return,
we’ll refund you. Sorted.
We’ll alert you before your instalments
due. So you won’t have any surprises.
Whatever you’re doing, don’t miss out.
Have what you want now. Pay over time.
Any spend over your personal balance will
be added to your first payment at checkout.
Pay the
rest over 6 weeks.
