Zilch User Reviews

Customer Experience

Positive experience66.4% of reviews
Neutral2.9% of reviews
Negative experience30.7% of reviews

~ Based on 443 written reviews from the US App Store.

What users say

Is Zilch Safe?

Zilch: Smart Credit appears safe based on user ratings. AppsHunter Safety Score for Zilch is 98/100.

This assessment is based on 21,480 user ratings, with an App Store average of 4.9/5.

Safety Analysis

40.5% of ratings point to a safe experience
9.3% of ratings suggest some concerns
50.2% of ratings point to a risky experience

~ Based on 247 App Store ratings for Zilch.

Is Zilch Legit?

Zilch: Smart Credit appears to be a legitimate app. AppsHunter Legitimacy Score for Zilch is 83/100.

Based on 83 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Super love it so handy 10/10

This is super handy to have thanks zilch 👌

Great Way To Build Your Credit Score

Since I came access Zilch it has help me a lot with my bad credit score now my scores kept on growing thanks to Zilch

Great

Great service really come in handy

Andy

Really great service so helpful highly recommended

Love Zilch

Been with Zilch a while now it’s so handy love the app too it’s so easy to work

Swift and reliable

I strongly recommend this app for a flexible payment plan for your purchases

Waste of time

I don’t meet the criteria to have an account, but yet I can finance a 15k car, shame as this looked good to help build my credit score

Fantastic site

I see a lot of reviews that are negative but from my point of view this company is great yes many companies have problems nothing is perfect but well done zilch I have poor credit but you guys gave me a chance THANK YOU!!! ☺️

Kleyton

I’ve been really enjoying using Zilch! The app is easy to use, convenient, and makes managing my purchases and payments much simpler. I also love the rewards, which are a great bonus. Overall, it’s been a great experience and I would definitely recommend Zilch to others.

Useless

How’s this even got 4.9 star ratings? One of if not the most useless lending company

MISLEADING TERMS AND CONDITIONS

THEY ARE GONNA RIP YOU OFF DONT USE THIS APP UNLESS YOU HAVE A LOT OF SPARE MONEY😅

Awesome

Zilch is great

Great Experience Money Management

I feel I have the Freedom to buy and pay for your purchases over a short period of time is a stress free and anxiety free experience
Knowing you can freeze payments at a minimal cost to the Customer
Well Done Zilch 😁

Great app

The best bnpl app! Very easy to navigate with payments and reminders. Great snooze feature for adjusting your due dates. 10/10

Great

Really good credit card real easy to use

Scam account

Received an email from Zilch saying “my application” was nearly complete. Have never applied. Trying to contact zilch is impossible as have to log into app - tricky as never set it up in the first place…. Contact options all depend on app so completely unclear where this leaves me - is someone setting up account in my name??
Show more

Good stuff

Sleek design, super easy app setup. Spending tracking & instant alerts are brilliant—keeps you totally in control. Contactless works flawlessly, and security features give real peace of mind. Zero annoying hidden fees, great travel-friendly too. Practical, smart, and worth every penny!

Review

Loving the card. You know exactly where you are with it nothing hidden and love the messsges about payments. Best card I have

Zilch

Love my zilch

Super power

It’s a massive help when you need it most!!