Zilch is a consumer app and card offering payment options, Rewards, and credit. Customers can pay now, spread payment over 6 weeks, or pay over 3 months, subject to eligibility and fees; listed repayment terms also include 6 and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app is available wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay for tap-and-go shopping. Rewards can be put toward purchases: Standard and Extra list up to 5%, while Plus lists up to 6%. Standard is free, works in-app only, and has a £4.99 card fee. Extra costs £2.99 per month and includes a physical card; Plus costs £4.99 per month and includes a physical card. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee, and eligibility requires connecting a bank account. Zilch says credit is for UK residents aged 18 or over and subject to status. Founded in 2018, the company is headquartered in London and offers support by in-app live chat and phone.
Who it is for
Zilch may suit UK residents aged 18 or over who want payment options, Rewards, or credit, subject to eligibility and status. The Standard plan is in-app only; Extra and Plus include a physical card.
What is good
- Payment options include 6-week and 3-month terms.
- Works wherever Mastercard is accepted.
- Apple Pay and Google Pay supported.
- Rewards can be used toward purchases.
- Live chat and phone support are available.
What to know first
- Credit is limited to eligible UK residents aged 18 or over.
- Standard is in-app only.
- Standard has a £4.99 card fee.
- Advance carries a £3 processing fee.
Verdict
Zilch combines payment choices and Rewards with an app and card, while eligibility and fees apply to credit and some payment options. Compare the plan details and repayment terms with your needs before choosing.
Get started with Zilch
- Visit the Zilch website.
- Choose the Android, iOS or web platform.
- Select the free Standard plan or review Extra at £2.99 per month and Plus at £4.99 per month.
- For Advance eligibility, connect a bank account.
- Check eligibility before using credit or selecting a payment term.
What the free plan stops at
The free Standard plan is in-app only and has a £4.99 card fee. Advance is limited to eligible Extra or Plus customers, up to £100, with a £3 processing fee; eligibility requires a connected bank account.
Questions about Zilch
Is Zilch free?
Zilch Standard is free. Its listed plan details include up to 5% Rewards, in-app use only and a £4.99 card fee.
What do Extra and Plus cost?
Extra costs £2.99 per month and Plus costs £4.99 per month. Both include a physical card.
What payment terms does Zilch offer?
Listed repayment terms are 6 weeks, 3 months, 6 months and 12 months. Pay-over-time options are subject to eligibility and fees.
Where can I use Zilch?
Zilch says its app can be used wherever Mastercard is accepted. It also supports Apple Pay and Google Pay, and is available on Android, iOS and web.
Who is eligible for Zilch credit?
Zilch says credit is subject to status and is for UK residents aged 18 or over.
How does Advance work?
Eligible Extra or Plus customers may borrow up to £100 through Advance, with a £3 processing fee. Eligibility requires connecting a bank account.
Zilch plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- Pay over 6 weeks; Pay over 3 months; Pay over 6 months; Pay over 12 months
- Merchant settlement
- scheduled
- Consumer regions
- United Kingdom; United States
