Zilch
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For extra benefits
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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 score in app
coming soon.
Credit limit builder
Tick off the tasks in your credit limit builder and you could increase your credit limit.
18.6%
Up to £2250
0% or 25% upfront
0% or 25% upfront
4 or 8 days
Coming soon
14.99%
Up to £2250
(£5000 coming
soon)
0% upfront
0% upfront
Coming soon
4 or 8 days
Coming soon