Customers
Corporate

          Get the card
          that’s right for you.

          There’s a Zilch for everyone. Check out how our virtual credit cards make managing your money simple – with exclusive benefits and Rewards built around you.

          From 14.99% APR Representative
          Representative Example: 14.99% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34. 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.

          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 over 6 months
          (Fees may apply)
          coming soon.
          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

          Compare cards.

          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 over 6 months
          (Fees may apply)

          coming soon.

          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

          25.2%

          Up to £600

          25% or 50% upfront

          4 days

          Zilch Classic

          Apply now

          18.6%

          Up to £2250

          25% upfront

          25% upfront

          4 or 8 days

          Zilch X

          Apply now

          14.99%

          Up to £2250

          0% upfront

          0% upfront

          Coming soon

          4 or 8 days

          Want more flexibility?

          Zilch
          Classic

          Zilch Classic gives you the freedom to pay your way. Spread payments over 6 weeks or 3 months with credit limits up to £2250 and no interest*. Ever. *Fees may apply. Want a little more back on every purchase? Pay now for 5% back in Rewards.

          Check Eligibility

          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.

          Want to improve your credit score?

          Zilch Up

          Got less-than-perfect credit? Zilch Up could help you build your credit score. By staying within your credit limit and making payments on time or early, you could see your credit history improve. Zilch Up also lets you Pay over 6 weeks with no interest* to help you spread the cost or you can Pay now to earn up to 5% back in Rewards. *Fees may apply

          Check Eligibility

          25.2% APR Representative
          Representative Example: 25.2% APR Representative based on total spend: £230 (+£4.77 fees). Total repayable: £234.77 paid over 6 weeks, 1st payment £62.27, then 3 payments of £57.50 every 2 weeks. Customers with low credit scores are accepted but some restrictions apply to support responsible lending. 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.

          Want extra benefits?

          Zilch X

          Zilch X gives you more. Enjoy up to £2250 credit, 0% upfront and no interest*. Spread payments over 6 weeks or 3 months now – and with Pay over 6 months on its way, even more benefits are within reach. You can also Pay now for up to 5% back in Rewards. Cha-ching. *Fees may apply.

          Check Eligibility

          14.99% APR Representative
          Representative Example: 14.99% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34. 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.

          Getting started.

          • 1

            Download the Zilch app

          • 2

            Create an account

          • 3

            See your credit limit

          • 4

            Link your debit card

          • 5

            Verify your identity

          You could be in within minutes.

          Here’s how
          it works.

          Step 1

          Explore the deals or search for your favourite retailer.

          Step 2

          Choose how you want to pay.

          Pay over 3 months is subject to eligibility. Fees may apply.

          Step 3

          Tap Enable card, then go shop. Remember to use your Zilch card details at checkout. Fees may apply.

          Any Questions?

          We’ve got the answers on everything from signing up to making your first purchase and beyond.

          Explore FAQ