4 Ways to Nail Your Financial Goals for this Year

Financial Wellness
min read

Looking to achieve financial wellness this year? Give buy now, pay later a try.

Buy now, pay later allows you to split your payments over time, usually without the late fees and extra fees that credit cards charge.

Most BNPL (buy now, pay later) services are integrated at checkout at select stores that are affiliated with the BNPL service.

Zilch, however, can be used anywhere, online or in-store, wherever Mastercard is accepted.

Besides being easier to use than most BNPL services out there, Zilch can help you progress with your financial goals as well.

How? Here’s a snapshot:

  • Manage your cashflow efficiently by paying over time.
  • Shop responsibly through a personalised available spend.
  • Track your purchases and payments all in one place.
  • Save as you spend by paying in 1 and getting cashback in return.

Now, let us take you through everything, point by point.

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4 Ways to Nail Your Financial Goals for this Year 2

Manage your cashflow efficiently by paying over time.

So how does Zilch work?

You basically pay 25% of the total price of your purchase upfront. Then split the rest in 3 more payments of 25% each, taken every 2 weeks in a span of 6 weeks.

There are no fees and 0% APR at thousands of stores. If you want to shop elsewhere, there’s a small fee of up to £2.50 upfront and an 11.50% APR with Zilch Anywhere.

How can this feature help you manage your cashflow?

Because payments are taken every 2 weeks, you’ll know exactly when your money goes out.

So if you want to purchase something before your next paycheck, you can do so partially, then pay off the whole amount when your salary comes in.

This can help you get on top of your expenses and budget more efficiently, compared to making unplanned, big purchases out of the blue then being left in the red.

Shop responsibly through a personalised available spend.

You already know that you can pay over time with Zilch. But here’s something even better.

When you register with Zilch, we conduct soft credit checks to determine what you can afford. Then we give you a bespoke and personalised available spend.

Your available spend is the maximum amount you can spend when you pay in 4.

And of course, we champion good payment behaviour. If you repay early or on time, there’s a huge chance we’ll increase your available spend.

So you can enjoy the things you love and take part in new experiences responsibly.

Track your purchases and payments all in one place.

At Zilch, we want you to see the whole picture. To be able to follow the journey of where your funds go and when.

That’s why you’ll get notifications from us at every step of the way, allowing you to be more mindful of your spending behaviour and be more in control of your money.

When you go to “Purchases and Payments” in the Zilch app or website, you’ll see all your transactions – open ones and complete ones.

You’ll also see exactly when your next payments are due, so that you won’t miss out.

And if you feel that you need extra time, you can use the Snooze feature to get 4 extra days to make your payment.

This feature can be unlocked after making a number of successful pay in 4 transactions made on time.

We don’t charge late fees and if you miss a payment, we give you time to settle your payment within a reasonable time frame.

You can also chat to us before your payment is due or if you’re experiencing financial difficulties so that we can guide you.

Find out more here.

Save as you spend by paying in 1 and getting cashback in return.

Zilch is more than just a buy now, pay later service. You are also able to pay everything in 1 go, just as you would with a debit card.

What makes it cooler is that when you pay in 1 with Zilch, whether you tap and pay in-store or purchase online, is that you can get cashback in Zilch Rewards.

You have until the 31st of January, 2022 to get 5% cashback in Zilch Rewards. And after that, you’ll get 2% cashback. Either way, you are able to make more bang for your buck and save more.

How? Because you can use your Zilch Rewards to discount your next shop or save your Zilch Rewards to make a full purchase of something on your shopping list or perhaps tickets to a fun experience.

Like a day trip to a destination you’ve always wanted to explore. A spa session. Brunch with your friends. Or maybe a cinema date.

And if you wanna be in the loop with the hottest events and experiences around, we’ll always give you the lowdown on our blog.

There you have it. Four insightful ways in which Zilch can help you shop smarter, spend responsibly and save more.

So start the year on a positive note and Zilch it!

Please spend responsibly. Credit is subject to status, 18+, UK residents only. T&Cs apply.

Zilch No fees, 0% APR at all eligible stores. Zilch Anywhere is £2.50 fee per transaction, 11.5% APR Representative at non-eligible stores.

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