Use Zilch to shop at Zara

Buy now. Pay later
at Zara UK

Upgrade your wardrobe and style by purchasing Zara basics from Zilch. We have everything from crop tops and Zara leather gilets to shoes and accessories. With Zilch, you can get the latest Zara articles and stay up to date with all the on-trend fashion moments.

Already have an account? .
T&C’s apply. 18+ UK residents only.
Trustpilot green star
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating 3/4 star
4.7 / 5.0

+ Get 5% Cashback When You Pay in 1
In-Store or Shop Online.


Recently shopped stores

How it works.

2 ways to Buy Now, Pay Later.

Zilch Zilch Anywhere

Zilch Anywhere for a maximum £2.50 fee at any non-participating online brands. Pay 25% upfront (plus the fee). Pay the rest in 3 instalments.

1st payment
at checkout, plus
Zilch Anywhere fee
green arrow pointing to the right
2nd payment
after 2 weeks
green arrow pointing to the right
3rd payment
after 4 weeks
green arrow pointing to the right
Final payment
after 6 weeks

Pay 25% upfront. Pay the rest in 3 instalments. No fees at 1000’s of participating brands. Online and in-store.

1st payment
at checkout
green arrow pointing to the right
2nd payment
after 2 weeks
green arrow pointing to the right
3rd payment
after 4 weeks
green arrow pointing to the right
Final payment
after 6 weeks
Download on the App Store Get it on Google Play

Shop Zara online & in-store,
pay back over 6 weeks.

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

Shop online & in-store

Zara now.
Pay later.


Pay back over 6 weeks.

Zero late fees.

0% APR at 1000's of stores.

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

Shop online & in-store

Zara now.
Pay later.


Pay back over 6 weeks.

Zero late fees.

0% APR at 1000's of stores.

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

Loved by
1,000,000+ customers.

Trustpilot green star
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating 3/4 star
4.7 / 5.0
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Absolutely brilliant! Easier than I thought and can be a lifeline when needed. I will definitely be using again and recommending to people. Repayment terms are extremely good too."

Angela Ledger
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Hassle free shopping, connecting Google pay or with Zilch virtual card it's easy, all you have to do is pay 25% up front payment of your bill at checkout, that it"

Jon
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Great site, better than all other similar ones, highly recommend!"

Chris Lynchy
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Fantastic. Easy to set up and use. Great reminder calendar on account page. Thank you Zilch ☺"

Antoinette Sanby
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Excellent really happy first time and went without a hitch, helped me when in need. Super zilch thank you"

Elizabeth Benson
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Really handy if you need something urgently while waiting for payday! Quick easy and hassle free"

Kirsti
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Fantastic new app to spread the cost."

John
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Zilch is great, no hassle, does exactly what it says on the tin! Would definitely recommend!"

Terrone
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Excellent service let’s you buy the things you love."

Miss N Lloyd
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Absolutely brilliant! Easier than I thought and can be a lifeline when needed. I will definitely be using again and recommending to people. Repayment terms are extremely good too."

Angela Ledger
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Hassle free shopping, connecting Google pay or with Zilch virtual card it's easy, all you have to do is pay 25% up front payment of your bill at checkout, that it"

Jon
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Great site, better than all other similar ones, highly recommend!"

Chris Lynchy
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Fantastic. Easy to set up and use. Great reminder calendar on account page. Thank you Zilch ☺"

Antoinette Sanby
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Excellent really happy first time and went without a hitch, helped me when in need. Super zilch thank you"

Elizabeth Benson
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Really handy if you need something urgently while waiting for payday! Quick easy and hassle free"

Kirsti
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Fantastic new app to spread the cost."

John
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Zilch is great, no hassle, does exactly what it says on the tin! Would definitely recommend!"

Terrone
Trustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full starTrustpilot rating full star

"Excellent service let’s you buy the things you love."

Miss N Lloyd
Show more
Zilch added to mobile pay

Tap and pay
over time.

Tap and pay Zara for free.
Zero interest.

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

Shop Zara online & in-store,
pay back over 6 weeks.

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

A Message
From Zilch.

You're probably wondering, "hey Zilch, how do you make money if you don't charge interest?"

Unlike "traditional" cards and banks that make money when their customers are late on payments, we earn our revenue from the merchants where you shop, not from you being late on payments!

We are a team of 140, all based in the UK, dedicated to changing the way people pay for goods and eliminating the need for interest. We have big ambitions and we hope you'll join us on our journey!

The Zilch Team 💚

Shop Zara online & in-store,
pay back over 6 weeks.

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