Brilliant
Great stuff
Review
Brilliant
Shopping
Great to use for shopping anywhere
New customer
New customer however app seems great
Keil
Be lost without this
Free
About
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.
✓Pay over 6 weeks with 0% APR
✓Zero late fees
✓Up to 5% back in rewards
✓Shop anywhere online
✓Track spending
✓Early payment options
Show original description
What users say
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.
Positive things
- 💯Excellent app
- 🤑Flexible payments
- 👍Easy to use
- 🤩Fantastic experience
- 🚀Convenient and quick
- 💳Great credit builder
- 🤑Helpful when money is tight
Negative things
- 🤬Poor customer service
- 🐛Buggy app
- 💰Unexpected fees
- 🤔Confusing payment options
- 🚫Unable to link cards
- 🤷♀️Inconsistent credit limit increases
+1
What's New in Zilch
2.60.0
September 10, 2026
Purchase declined? We'll now let you know exactly what happened and what you can do next.
User reviews
User experience
🐞
Reported Bugs
4 issues
Login issues
Verification process problems
✨
Requested Features
5 requests
Allow third-party payments
Feature
Increase credit limit faster
Feature
FAQ
What is Zilch?
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%.
How does the 'Pay over 6 weeks' option work?
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.
Are there any fees associated with Zilch?
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.
Where can I use Zilch?
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.
Is Zilch available on Android and iOS?
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.
