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Zilch: Smart Credit

Zilch: Smart Credit

Pay over time. Earn Rewards.

21K ratings
457 reviews
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • March 31, 2021
  • August 26, 2026

Features

Developer

Zilch Technology Limited
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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

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
See all reviews

What's New in Zilch

2.59.0

August 26, 2026

We’ve squashed some bugs and made a few tweaks to keep things running smoothly.

User reviews

Most RecentHighest RatedLowest Rated

Hi

Very good service
Gee1254Gee1254

Happy

Fantastic service from zilch . So easy to use I couldn’t do without my zilch
p---sedoffp---sedoff

Best service

Best app ever convenient and easy to use
SochisiSochisi

Simple to use.

I love Zilch, great to know you’re able to spread the payments. Now you can spread over a longer period which is terrific for larger purchases. I’ve not the best credit and Zilch has been a life saver at times. You can also pay before your due date so putting you in control. 😊
CrazyCazzy69CrazyCazzy69

Zilch

Zilch is a great way to help me spread the cost of those last minute or unexpected costs that pop up
LouoxoxLouoxox
See 452 more reviews

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.