Zilch | Pay over time, Anywhere | unitQ Score

Zero interest, zero surprises.

Zilch is the best way to pay, over time, anywhere. We do not charge interest, and have no hidden fees. We take into account what you can afford, by linking with open banking, and tell you how much you can spend on your next spend with us; so no more getting to checkout and being denied.

Find over 4,500 stores on our platform to shop with, for free, including Amazon, Ebay, and ASOS, or choose Zilch Anywhere, and shop wherever you like for a very small upfront fee.

Go green. Go plastic free.

Anything you buy with your virtual Zilch card will be split into 4 easy payments, over 6 weeks. It’s super simple and did we mention it’s FREE.

Zero interest. Zero surprises.

We’re on your side and created this for you. You’ll never pay interest or hidden fees. Promise.

Zilch Responsibly.

Always know and control your spend. With Zilch you’ll have access to a limited balance, meaning you’ll never get into £1000’s of debt. Phew! We have also partnered with Credit Kudos, an open banking provider, so that we can assess your affordability, and make sure you are spending responsibly. The more you spend and pay back on time, the more access to credit you will get with us.

Boost your basket.

We give you a certain amount to spend for your next purchase, if you need more, you can use our Zilch Boost feature, to boost your basket and spend up to double the amount you have available. You pay your Boosted amount with your down payment at checkout.

Snooze your payments.

Need a little extra time to make that payment?
Don’t worry we got you. Simply tap snooze and we’ll give you 4 extra days.

Saving you £100s.

On average, Zilch saves customers over £350 per year on interest and fees. Woohoo!

Get Rewarded as you spend.

Unlock more features as you Zilch responsibly.

Refunds are super simple!

You can refund your shopping as you normally would, and we have made it really simple to see the refunds you have made, in the app.

You’re safe and secure.

We give you a virtual Mastercard to spend with, so you get all the normal protection you would normally expect.

How does it work?
1)   Choose the store you want to shop at
2)   Activate your Zilch card for that store
3)   Checkout with your Zilch card
4)   Easy, automated payments

How do payments work?
1)   You pay 25% at checkout, plus your Boosted amount if you have used Zilch Boost
2)   You pay the next 25% after two weeks
3)   You pay the next 25% after 4 weeks
4)   You pay the final 25% after 6 weeks

All payments are automated, and you can see your payment history in the app anytime.

What’s the catch?

We can provide this service for free, because the stores pay us a little something when they shop with us. If they won’t do this, then we do need to add a small upfront fee to your payments which we make you aware of before you activate your card for the store. But don’t worry, we have over 4,500 free stores!

Join a community of thousands and start enjoying the benefits of paying over time with Zilch.
Pay over time, Anywhere. Zero interest, zero surprises.