Zilch

Editor's Review

Are you looking for a smarter way to shop and manage your money? Zilch could be the answer! 🤩 With over 4 million customers already benefiting, Zilch offers a unique approach to credit and payments. Featured on Bloomberg and The Telegraph, this app provides access to credit up to £2250 with a super quick application process. 🤑

Here’s how Zilch works:

💳 Pay Over Time: Shop at your favorite stores like eBay and Amazon and pay over 6 weeks with zero fees. Just enable your card in the app before you start shopping. You can also add Zilch to your digital wallet and pay over time anywhere, online or in-store, with a small fee (up to £3).💸

🗓️ Flexible Payment Options: Need more time? Zilch lets you pay over 3 months (subject to eligibility), giving you greater flexibility in managing your expenses. Keep in mind that fees may apply for this option.🤔

🎁 Instant Rewards: Get rewarded while you shop! Earn up to 5% back in Zilch Rewards when you enable your card to pay in full at checkout. Plus, receive 0.5% back when you use Zilch Anywhere or Tap and Pay in-store. Zilch supports Apple Pay, Google Pay, and Samsung Pay for your convenience. 🎉

📈 Build Your Credit: Using Zilch responsibly can help improve your credit score over time. By making regular and timely repayments, you demonstrate financial responsibility. 🤓

💰 Grow Your Credit: Zilch offers a credit limit tailored to your individual circumstances. Follow their easy-to-understand steps, and you could see your available credit increase over time. 👍

📞 Customer Support: Need help? Zilch’s dedicated Customer Support team is available from 9am to 6pm, seven days a week, to answer any questions you may have. 🙋

⏰ Need More Time? If you need extra time to manage your cash flow, the Snooze feature allows you to get 4 or 8 extra days to pay (subject to eligibility, fees may apply). ⏳

🔒 Privacy Matters: Zilch is committed to protecting your privacy and uses the latest data security measures to safeguard your personal and financial information.

Features

• Apply quickly and get up to £2250 credit

• Pay over 6 weeks at select stores, zero fees

• Pay over 3 months available (subject to eligibility)

• Earn up to 5% back in Zilch Rewards

• Supports Apple Pay, Google Pay and Samsung Pay

• Build credit score with on-time repayments

• Get a credit limit tailored to your needs

• Snooze feature to extend payment deadlines

Pros

• Build credit score with regular, timely repayments

• Potential to grow credit limit responsibly

• Dedicated customer support available seven days a week

Cons

• Fees may apply for paying over 3 months

• Snooze feature eligibility restrictions apply