Verified
The app is genuinely very useful. The wee rewards per order are always welcome - when you collect them and deduct a pound or two from your total when ordering Deliveroo or Amazon - absolutely amazi... See more
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Verified
Applicants really need to know they are valued and their opinions matters in making an effective decisions on their application. I did not know l would be accepted when applying for the zilch credit.l... See more
Verified
Being able to spread the cost over 6 weeks means I not only build my credit score but I am also able to make emergency purchases where I usually couldn't due to the upfront cost being more than I co... See more
Company replied
Verified
What a brilliant modern fully digital addition to the world of paying your bills! I think zilch will corner not only the UK but the world market with this fabulous way to pay for things more comfo... See more
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Company details
About Zilch
Written by the company
About Zilch
Join over 4 million customers and get the credit you deserve with Zilch. Pay your way – in-store or online – with responsible limits, no interest* and no late fees. Ever. *Purchase fees may apply.
From 18.6% APR Representative. Credit subject to status, 18+, UK residents only. T&Cs apply.
Pay with credit
S-t-r-e-t-c-h the cost of pricier purchases with credit limits up to £2250. Break down your payment into four equal chunks with Pay over 6 weeks or 3 months. And hit Snooze* whenever you need more time. *Subject to eligibility and fees may apply.
Pay with debit
The Zilch card links seamlessly with your bank account so you can pay via debit and get up to 5% back in Rewards every time you Pay now. Rewards are added to your account instantly, so you can use them to discount your next purchase or save them up for something special.
Exclusive deals
Download the Zilch app and browse our storefront for exclusive deals at brands you love, including Amazon, Morrisons, eBay and loads more.
Grow your credit
If you use Zilch regularly and always make your payments on time, your credit score could go up. We’ll also give you easy-to-follow tips on how to increase your credit limit.
Download App
Contact info
111 Buckingham Palace Road , SW1W 0SR, London, United Kingdom
- payzilch.com
4.5
Excellent
69K reviews
Replied to 99% of negative reviews
Typically replies within 24 hours
Verified
Such a well put together app
Such a well put together app. All emails are friendly and almost feel personal.
Date of experience: July 06, 2025
Verified
Verified
Credit card for low credit score holder
It's best virtual credit card that enables the low credit score holder an edge of having a credit card, but the thing is with high fee just for shoppings.
Date of experience: July 06, 2025
Verified
I was very happy with the chairs & the…
I was very happy with the chairs & the payment.
Date of experience: July 06, 2025
Verified
Applicants really need to know they are…
Applicants really need to know they are valued and their opinions matters in making an effective decisions on their application. I did not know l would be accepted when applying for the zilch credit.l thought l would be turned down again as always . Was really surprised so l would strongly recommend zilch to more people
Date of experience: July 06, 2025
Verified
First time Zilch user
Spread the cost and no fees with selected partners
Date of experience: July 06, 2025
Verified
Verified
Everything is fine
Everything is fine, but why are you taking the first 25% of the purchase? That doesn't seem very good.
Date of experience: July 06, 2025
Verified
That it gives me back up money incase I…
That it gives me back up money incase I need it. I felt great that I don't have to be scared I am broke.
Date of experience: July 03, 2025
Verified
I don't see the point of having to pay…
I don't see the point of having to pay every two weeks. It would be better paying at the end of each month
Date of experience: July 03, 2025
Verified
Verified
Very easy and amazing app with multiple…
Very easy and amazing app with multiple features. Lots of offers for payment of cashback. Easy to switch between points and cards. Payments made easy
Date of experience: July 03, 2025
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Verified
Quick response to my refunds enquiry
Quick response to my refunds enquiry
Date of experience: July 06, 2025
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Verified
Took a 3rd operator to answer my queries
I spoke to 3 operators about my queries today. The first operator just stopped talking to me and the second didnt really understand what i was asking. The 3rd operator named remedios was very patient and exsplained things well and we finally got to the answer I was searching for
Date of experience: July 06, 2025
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Verified
Really helping and quiet effective with…
Really helping and quiet effective with payment
Date of experience: July 03, 2025
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Verified
Reply from Zilch
Thanks for taking the time to leave us feedback – and for making us smile today.
Do reach out if we can help you with anything.
All the best
Team Zilch
Verified
Reply from Zilch
Thanks for taking the time to leave us feedback – and for making us smile today.
Do reach out if we can help you with anything.
All the best
Team Zilch
Verified
I really love this company
I really love this company, it's been a lifeline on occasions and helps to buy the things I need over 4 equal payment.
Date of experience: June 07, 2025
Reply from Zilch
We hope your day is as wonderful as this review! We’re right here if you need anything.
Thanks
Team Zilch
Verified
Reply from Zilch
We appreciate you taking the time to leave us a review. We’re so glad you’re happy. We’ll keep up the good work.
Thanks
Team Zilch
Verified
Being able to spread the cost over 6…
Being able to spread the cost over 6 weeks means I not only build my credit score but I am also able to make emergency purchases where I usually couldn't due to the upfront cost being more than I could afford.
Zilch do far is proving to be a very useful thing to have and id highly recommend.
Date of experience: July 06, 2025
Reply from Zilch
We love to hear it. Cheers for taking the time to leave us your feedback, we’re always here if you need help.
Thanks
Team Zilch
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