Split purchases into four interest-free installments over six weeks, or get instant cashback rewards when you pay in full. Shop at thousands of online stores or anywhere Mastercard is accepted.
Summarized from real user reviews of Zilch. Based on 21K reviews and a 4.9/5 average, it highlights the 7 positives and 6 negatives reviewers mention most about this Finance app.
2.58.0
August 11, 2026
We’ve made managing and understanding debt sale easier in the app and squashed some bugs to improve performance.
4 issues
Login issues
Verification process problems
5 requests
Allow third-party payments
Increase credit limit faster
Zilch is a payment service that allows you to split your purchases into four interest-free installments over six weeks. Alternatively, you can pay in full and receive instant cashback rewards of up to 5%.
With this option, you'll pay either 25% or 50% of your purchase upfront, plus any applicable fees. The remaining balance is then split into three equal installments, due over the following six weeks.
There are zero late fees and zero overdraft fees when signing up. A fee of up to $3 may apply for purchases over $10 made at retailers not directly partnered with Zilch, depending on your selected retailer.
You can shop at thousands of online stores directly through the app with zero fees. Additionally, because it's a Mastercard, you can use it to shop absolutely anywhere else online where Mastercard is accepted.
While the description doesn't explicitly state compatibility, it is implied that the service is accessed via a mobile application, suggesting availability on major mobile operating systems like Android and iOS.
