Feel free
with Zilch.

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%).

Already have an account? .
Two girls

No funny
business.

Thousands of stores pay us a lil’
something so you can shop with
them without extra charges. Other
stores have a small fee.

Already have an account? .
T&C’s apply. 18+ UK residents only.
Blue sea

Zilch responsibly.

Manage your cashflow with a balance
personalised to you. All in one place, for
your peace of mind.

Zilch card

Super safe.
Super secure.

Zilch is a virtual Mastercard.
It's as safe as using your bank card.

snooze button

Snooze your
payments.

Need more time to make
that payment? Tap snooze.
Voila, you’ll get 4 extra days.

*Snooze usage may incur a small one off fee and may not be accessible to all users.
Flying confetti over audience

Buy what you love.
Get 5% cashback.

Get Zilch Rewards by selecting ‘pay it all now’
at checkout with no fees.

Already have an account? .
T&C’s apply. 18+ UK residents only.
Zilch app open on 2 mobile phones

Refunds are
super simple.

Once the store accepts the return,
we’ll refund you. Sorted.

Zilch app with one notification

Never miss
a payment.

We’ll alert you before your instalments
due. So you won’t have any surprises.

Guys dancing at a concert

Don't get FOMO.

Whatever you’re doing, don’t miss out.
Have what you want now. Pay over time.

Zilch option to boost your basket

Boost your
basket.

Any spend over your personal balance will
be added to your first payment at checkout.
Pay the rest over 6 weeks.

Already have an account? .
T&C’s apply. 18+ UK residents only.
Close
Already have an account? .
T&C’s apply. 18+ UK residents only.
Close