# Zilch: Smart Credit — Pay over time. Earn Rewards. > Buy now, pay later service with interest-free installments and cashback rewards. (iPhone/iPad app by Zilch Technology Limited.) - Source: https://appshunter.io/ios/app/zilch-smart-credit/id1545361238 (this page in markdown: same URL + `.md`) - Developer: [Zilch Technology Limited](https://appshunter.io/developer/1545361240) - Category: Finance, Shopping - Price: Free - Rating: 4.88/5 from 21,480 App Store ratings · 465 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 114 MB - Languages: American English - Released: 2021-03-31 - Data updated: 2026-09-03 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zilch-smart-credit/id1545361238/reviews.md ## What is Zilch? Join over 6 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day. Featured on Bloomberg, The Telegraph and more. From 14.99% APR Representative. Credit subject to status. T&Cs apply. THE SMART WAY TO PAY Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50. PAY OVER 3 MONTHS Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply. INSTANT REWARDS Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay. HOW DOES IT WORK? 1. Explore the app to find where you want to shop 2. Can’t find your store? Tap Zilch Anywhere 3. Choose whether you want to Pay now or spread the cost 4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out BUILD YOUR CREDIT SCORE Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time. GROW YOUR CREDIT Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly. HELP WHEN YOU NEED IT Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week. NEED MORE TIME TO PAY? If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply. ABOUT ZILCH We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round. PRIVACY POLICY Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data. ## Key features - Pay over 6 weeks with 0% APR - Zero late fees - Up to 5% back in rewards - Shop anywhere online - Track spending - Early payment options ## What do users think of Zilch? Overall sentiment: neutral **Pros** - 💯 Excellent app - 🤑 Flexible payments - 👍 Easy to use - 🤩 Fantastic experience - 🚀 Convenient and quick - 💳 Great credit builder - 🤑 Helpful when money is tight **Cons** - 🤬 Poor customer service - 🐛 Buggy app - 💰 Unexpected fees - 🤔 Confusing payment options - 🚫 Unable to link cards - 🤷‍♀️ Inconsistent credit limit increases **Commonly reported bugs** - Login issues - Verification process problems - Payment processing errors - Inconsistent app behavior **Most requested features** - Allow third-party payments - Increase credit limit faster - Add monthly repayment option - Improve in-store transaction reliability - Provide more transparency on fees ## Recent user reviews (10 of 465) All indexed reviews: https://appshunter.io/ios/app/zilch-smart-credit/id1545361238/reviews.md ### 1/5 — New layout is terrible *2026-08-30, version 2.59.0* I’ve been using Zilch for sometime now. The new layout is terrible once inside the app. You used to be able to easily view what was due when. In what day and not by date. You can no longer see the days they are due and now only by date…… It is in list form now by date as opposed to the opposite. Much harder to use and control payments or forward paying. Do not like the new update or layout. It’s terrible. No longer user friendly in my opinion. Much harder to see what is due by day. Which in my opinion was far better…. Sorry zilch. You’ve lost my vote! ### 5/5 — Good *2026-08-29, version 2.59.0* Easy payments ### 5/5 — John *2026-08-28, version 2.59.0* Excellent ### 5/5 — Perfect *2026-08-28, version 2.59.0* Perfect app ### 5/5 — Zilch *2026-08-28, version 2.59.0* Works for me and never had any issues, good for improvements to app and functionality over time too so all good ### 5/5 — They’re so good *2026-08-27, version 2.59.0* They saved me they’re so good ### 5/5 — Zilch *2026-08-27, version 2.59.0* Zilch usage ### 5/5 — Happy customer *2026-08-27, version 2.59.0* I’m so in love with my Zilch credit card very helpful 🥰 ### 5/5 — Hi *2026-08-26, version 2.59.0* Very good service ### 5/5 — Happy *2026-08-25, version 2.58.0* Fantastic service from zilch . So easy to use I couldn’t do without my zilch ## Frequently asked questions about Zilch ### 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. ## Version history (last 5 releases) ### 2.59.0 — 2026-08-26 We’ve squashed some bugs and made a few tweaks to keep things running smoothly. ### 2.58.0 — 2026-08-11 We’ve made managing and understanding debt sale easier in the app and squashed some bugs to improve performance. ### 2.57.0 — 2026-07-31 We’ve changed the design of buttons to make them even easier to use. We’ve also made visual improvements to the app when used on tablets. ### 2.56.0 — 2026-07-14 A few design tweaks to make the app even easier to use. ### 2.55.0 — 2026-07-01 We've made some accessibility improvements, tweaked copy in a few places and squashed some bugs to improve performance. ## Apps similar to Zilch | App | Rating | Price | Category | | --- | --- | --- | --- | | [BravePro - Crypto store](https://appshunter.io/ios/app/bravepro-crypto-store/id1609771540) | 5.0 (1) | Free | Finance | | [Quyana](https://appshunter.io/ios/app/quyana/id1593460100) | 5.0 (4) | Free | Finance | | [7StarPay](https://appshunter.io/ios/app/7starpay/id1571496540) | 4.8 (9) | Free | Finance | | [Taif POS](https://appshunter.io/ios/app/taif-pos/id1642716880) | 5.0 (1) | Free | Finance | | [MoneyT - Money Tracker](https://appshunter.io/ios/app/moneyt-money-tracker/id1641340520) | — | Free | Finance | | [Nautilus - NANO Wallet](https://appshunter.io/ios/app/nautilus-nano-wallet/id1615775960) | 4.7 (36) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*