New

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.

Up to £2250
credit limit.

Get a limit tailored to you – with no interest or late fees. Fees may apply.
Flexible ways
to pay.
Fees may apply.

Hit Snooze.

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

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.

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

Good

0

Credit score in-app coming soon.

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. Credit score in-app coming soon.

Never miss a payment.

Seamlessly link your debit card to automatically take payments when they’re due. No stress.
Grow with Zilch.

Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could increase your limit.
Ask me anything.

Get help when you need it.

Our dedicated team are here to help on live chat or on the phone, seven days a week.