Zilch Up

For credit building

25.2% APR Rep

Credit subject to status. T&Cs apply

From 25.2% APR Representative
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 Example: 25.2% APR Representative (fixed) 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.

Up to £600
credit limit.

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

Good

0

Credit score in-app coming soon.

Pay. Your way.

Pay over 6 weeks
Pay now for up to 5% Rewards

Fees may apply

Want a higher
credit limit?

Tick off a few simple tasks and you could see your credit limit rise.

Pay instalments on time
Connect to Open Banking
Add Zilch to your digital wallet
Use the Zilch app

How paying with Zilch works.

Pay over 6 weeks
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

Hit Snooze. Get four or eight extra days to pay when you need more time. Fees may apply.

Never miss a payment.

Seamlessly link your debit card to automatically take payments when they’re due. No stress.
Stay in control.

Keep on top of your spending and easily track your purchases and repayments.
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.