Zilch: Smart Credit

Zilch: Smart Credit

Pay over time. Earn Rewards.

21K ratings
514 reviews
Free

Details

Released
March 31, 2021
Updated
October 19, 2026

Features

Zilch: Smart Credit screenshot #1 for iPhone
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Zilch: Smart Credit screenshot #8 for iPhone
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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
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What users say about Zilch

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+1

What's New in Zilch

2.63.0

October 19, 2026

We’ve made it easier to update your address and speedier to open the app.

User reviews

Zilch

Easy-to-Navigate App: Users frequently praise the mobile application for its clean design, simple setup process, and the ability to generate a virtual card to shop almost anywhere online or in-store.

awful

honestly was good for while i tried so hard to build my credit so i can pay monthly instead of pay over 6 weeks it didn’t work and also i have around 325£ in my credit limit and i used 130£ only but it still show that i can only use 2£ idk why and i subscribed with zlich extra for better experience or what i thought would be better experience,i did it so i can get advance payment from my pay check but i cant apply for it and they dont tell me why even tho im eligible and i have linked my bank account and they still wont give me the advance payment so im not sure whats the point of paying monthly for zlich extra when i get no benefits from it at all! absolutely not worth it dont even think about downloading the app there is other better apps for pay later and help you build credit score but not this one
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Please increasing

I time you should increase time limit

Very good easy to use very helpful

Easy to use and very helpful

Advance

Amazing one but 3 pound for 7 days quite expensive

User experience

🐞

Reported Bugs

4 issues

Login issues

Bug

Verification process problems

Bug

Payment processing errors

Bug

Inconsistent app behavior

Bug
✨

Requested Features

5 requests

Allow third-party payments

Feature

Increase credit limit faster

Feature

Add monthly repayment option

Feature

Improve in-store transaction reliability

Feature

Provide more transparency on fees

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.