Customers
Corporate

          Apply

          Get more than you pay for.

          More time. More Rewards. And up to £2250 credit. Apply now and you could start spending today

          From 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.

          Flexible
          ways to pay.


          Responsible
          credit limits.


          No interest*.
          No late fees.


          Up to
          5% back
          in Rewards.

          *Fees may apply

          Join more than 4 million customers.

          “Hassle-free service with no hidden charges.”

          Trustpilot

          There’s a Zilch
          for everyone.

          Zilch Up.

          For credit building.
          Up to £600.

          Learn more

          25.2% APR Representative

          Credit subject to status. T&Cs apply

          Zilch Classic. NEW

          For more flexible ways to pay.
          Up to £2250.

          Learn more

          18.6% APR Representative

          Credit subject to status. T&Cs apply

          Zilch X. COMING SOON

          For extra benefits.
          Up to £2250.

          14.99% APR Representative

          Credit subject to status. T&Cs apply


          See what's right for you without affecting your credit score.

          Apply

          Pay. Your way.

          *Exclusively for Zilch Classic,
          subject to eligibility. Fees may apply.

          No interest.
          No late fees.

          0

          *Fees may apply.

          Hit Snooze.

          Get four or eight extra days to pay
          when you need more time.

          Zzzzz

          Fees may apply.

          Support that
          suits you.

          Our team’s here to help on live chat
          or on the phone, seven days a week.
          Contact us

          I have a question
          Sure! How can I help?

          Big brands.
          Big deals.
          No fees.

          Pay over time at thousands
          of stores with zero fees.
          Only on the app.


          Fees may apply at other retailers

          Responsible.
          With a capital R.

          We only lend what you can afford. We give
          you tools to stay on top of your purchases.
          And there are no hidden fees. Ever.

          How Paying with
          Zilch works.

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

          Pay 25%-50% 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

          Any questions?


          We've got the answers.


          Explore FAQs