Zilch offers consumers payment options, Rewards, and credit through an app and card. Depending on eligibility and fees, customers can pay now, spread payments over 6 weeks, or pay over 3 months; listed repayment terms also include 6 and 12 months. It advertises credit from £50 to £4,500, subject to status. The app can be used wherever Mastercard is accepted, and Zilch says customers can add it to Apple Pay or Google Pay for tap-and-go shopping. Rewards can be used toward purchases: Standard and Extra list up to 5%, while Plus lists up to 6%, with different rates for some Plus purchases. Standard is free, 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 also includes one. 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 older and is subject to status.
Who it is for
Zilch may suit eligible UK adults looking for app-based payment choices, Rewards, or credit. Those considering Advance need to connect a bank account, while those wanting a physical card can consider Extra or Plus.
What is good
- Offers pay-now and installment payment options
- Rewards can be used toward purchases
- Can be added to Apple Pay or Google Pay
- Standard plan is free
What to know first
- Credit is subject to status and eligibility
- Standard is in-app only and has a £4.99 card fee
- Advance requires a connected bank account
- Advance has a £3 processing fee
Verdict
Zilch combines checkout payment choices, Rewards, and credit, with different terms across its plans. Review eligibility, fees, and repayment terms before using installment payments or Advance.
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
