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Zilch Classic for flexible spending

Zilch
Classic

For flexible spending

18.6% APR Rep

Credit subject to status. T&Cs apply

From 18.6% APR Representative
Representative Example: 18.6% APR Rep based on total spend: £495 (+£5.30 fees). Total repayable: £500.30 paid over 6 weeks or 3 months, 1st payment £129.05, then 3 payments of £123.75. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.

Pay your way with
no interest

Zilch Classic gives you the flexibility to spend on your terms with a credit limit up to £3000 and no interest*. Spread payments over 6 weeks or 3 months for bigger purchases. Prefer to pay upfront? Earn up to 5% back in Rewards. Check your eligibility today. 18.6% APR Rep. Credit subject to status. *Fees may apply

Apply now

“Just made my first transaction and it was so easy, the app is brilliant. I can’t see myself using anything else.”

Trustpilot

Hit Snooze.

Get four or eight extra days to pay when you need more time. Available for Pay over 6 weeks. Fees may apply.

How Snooze works

Get rewarded.

Pay in full to get up to 5% back in Rewards. Use Rewards to get money off your next purchase or save up for something special.

Discover Zilch Rewards

How paying with
Zilch works.

  • Pay over 6 weeks
  • Pay over 3 months
  • Pay now for Rewards

Pay 25% upfront and the rest
over six weeks. Fees may apply.

Today

25% paid

In 2 weeks

25% due

In 4 weeks

25% due

In 6 weeks

25% due

Good

0

Build your
credit score.

A good credit score gives you access to better credit deals and interest rates. And we could help you build yours.

Representative APR
Zilch doesn’t charge interest, but some retailers may have a small fee. We include these fees in the Representative APR, showing the cost of borrowing over a year, so you can easily compare your options.
Got it
No interest or late fees
(Purchase fees may apply)
You’ll pay zero interest when you Pay over 6 weeks or 3 months. You’ll never be charged late fees. Fees may apply.
Got it
Credit limit
Your credit limit is the maximum amount you can borrow with Zilch. We set it responsibly to help you borrow within your means and keep repayments manageable.
Got it
Pay over 6 weeks
(Fees may apply)
Pay over 6 weeks lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every two weeks – with no interest charged.
Got it
Pay over 3 months
(Fees may apply)
Pay over 3 months lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every month – with no interest charged.
Got it
Pay now for Rewards
With Pay now, you pay the full amount straight away and get up to 5% back in Zilch Rewards. It’s an easy way to pay and earn something back at the same time.
Got it
Snooze payments by
(Fees may apply)
You can use Snooze to delay an upcoming instalment by 4 or 8 days. Subject to eligibility. Fees may apply.
Got it
Credit limit builder
Tick off the tasks in your credit limit builder and you could increase your credit limit.
Got it

Choose the plan for you.

Zilch Up
Zilch Classic
Zilch X

Zilch Up

Apply now

Zilch Classic

Apply now

Zilch X

Apply now

Representative APR

Zilch doesn’t charge interest, but some retailers may have a small fee. We include these fees in the Representative APR, showing the cost of borrowing over a year, so you can easily compare your options.

No interest or late fees
(Purchase fees may apply)

You’ll pay zero interest when you Pay over 6 weeks or 3 months. You’ll never be charged late fees. Fees may apply.

Credit limit

Your credit limit is the maximum amount you can borrow with Zilch. We set it responsibly to help you borrow within your means and keep repayments manageable.

Pay over 6 weeks
(Fees may apply)

Pay over 6 weeks lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every two weeks – with no interest charged.

Pay over 3 months
(Fees may apply)

Pay over 3 months lets you split the cost of your purchase into four manageable payments. You’ll make the first payment upfront, then three more every month – with no interest charged.

Pay now for Rewards

With Pay now, you pay the full amount straight away and get up to 5% back in Zilch Rewards. It’s an easy way to pay and earn something back at the same time.

Snooze payments by
(Fees may apply)

You can use Snooze to delay an upcoming instalment by 4 or 8 days. Subject to eligibility. Fees may apply.

Credit limit builder

Tick off the tasks in your credit limit builder and you could increase your credit limit.

Zilch Up

Apply now

31.9%

Up to £800

25% or 50% upfront

4 days

Zilch Classic

Apply now

18.6%

Up to £3000

25% upfront

25% upfront
subject to status

4 or 8 days

Zilch X

Apply now

14.9%

Up to £4500

From 0% upfront

From 0% upfront

4 or 8 days

Apply now

Got a question about
no interest credit cards?


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