Customers
Corporate

          Build your credit score.

          Get the credit
          you deserve.

          A good credit score gives you access to better credit deals and interest rates. And we could help you build yours. It’s time to get the credit you deserve.
          “Zilch has single-
          handedly helped
          repair my credit score.
          By using it correctly
          and making early
          payments, I’ve now
          been accepted for
          other credit cards –
          all with a decent APR.”
          Trustpilot
          From 14.99% APR Rep

          Please spend responsibly.
          Credit subject to status.
          T&Cs apply.
          Fees may apply. 18+ UK only.

          How it works.

          Use Zilch responsibly and you
          could increase your credit score.
          Here’s how.

          Pay your instalments
          on time or early.

          We’ll automatically debit your account when instalments are due, so make sure you have enough money in there to avoid a late payment. You can always pay off instalments early in-app.

          Hit Snooze.

          If you think you’ll miss a payment, use Snooze to give yourself 4 or 8 more days to pay. Subject to eligibility. Fees may apply.

          Learn more

          Remember, if you miss a payment,
          your credit score could go down.

          Got a question on how to build your credit score?


          Read FAQs