Best Zilch Apps & Games

59+ iOS apps & games curated and reviewed

4.5 avg rating
20 free apps & games
Updated June 2026

Looking for free zilch apps and games? 20 of our 59+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Zilch Apps & Games (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (83K)NoNoJul 2026
2ZOOD: Buy Now, Pay LaterZOOD: Buy Now, Pay LaterFree4.4★ (1.3K)NoNoJul 2026
3Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)YesNoJul 2026
4Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (109K)NoNoJul 2026
5Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8★ (27K)NoNoJul 2026
6EN Dining HKEN Dining HKFreeNoMay 2026
7NewpayNewpayFreeNoNoJul 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoJul 2026

Top Picks for Zilch

Tabby: Send, spend and save#1

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Editor's Choice
💰 Finance
4.8😞(83K ratings)
Free
Tabby: Send, spend and save screenshot 1
Tabby: Send, spend and save screenshot 2
Tabby: Send, spend and save screenshot 3
Tabby: Send, spend and save screenshot 4
Tabby: Send, spend and save screenshot 5
Tabby: Send, spend and save screenshot 6

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

What We Love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to Improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
ZOOD: Buy Now, Pay Later#2

ZOOD: Buy Now, Pay Later by OrientSwiss SA

Shop in up to 12 installments
Strong Contender
🛍️ Shopping
4.4😐(1.3K ratings)
Free
ZOOD: Buy Now, Pay Later screenshot 1
ZOOD: Buy Now, Pay Later screenshot 2
ZOOD: Buy Now, Pay Later screenshot 3
ZOOD: Buy Now, Pay Later screenshot 4
ZOOD: Buy Now, Pay Later screenshot 5
ZOOD: Buy Now, Pay Later screenshot 6

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

What We Love

  • 👍 Professional work
  • 👍 Excellent customer service
  • 👍 Easy to use and buy
  • 👍 Great variety of products

Room to Improve

  • 🐛 Delivery issues
  • 🐛 Unreliable customer support
  • 💰 Exaggerated pricing
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc

Flexible payments, big savings
Worth Considering
🛍️ Shopping
4.9😞(1.7M ratings)
FreeAds
#23in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity

More Zilch apps to explore

4
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(109K)
freemium
5
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Lease-to-own purchasesNo credit requiredFlexible payment options
💰 Finance
(27K)
free with in-app purchases
6
EN Dining HK
EN Dining HK
EN Dining HK
by THE CARDS APP
Free
🍔 Food & Drink
(0)
7
Newpay
Newpay
Newpay
Buying big? Spread the cost.
Free

Manage your credit account on the go with this secure mobile app. View your balance, track transactions, make payments, and manage your direct debit. Access retailer information and update your contact details easily.

View balance and credit limitBrowse retailersTrack transactions
💰 Finance
(0)
ad-supported
8
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(11K)
free with in-app purchases
9
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
10
Pocket Singer - My OC sings!
Pocket Singer - My OC sings!
Pocket Singer - My OC sings!
Create your OC's voice
Free

Design unique AI-generated voices for your original characters and have them sing your custom songs. You can also create or upload character avatars and export your musical creations as video or audio files.

AI voice engine for custom character voicesCreate or upload OC avatarsImport MIDI and lyrics to create songs
🎵 Music
(588)
free with in-app purchases
11
Zilch
Zilch
Zilch
by saucer inc.
Free
💪 Health & Fitness
(0)
12
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

Lease-to-own a variety of items like furniture, electronics, and appliances from your favorite retailers. Apply for a spending limit and receive a virtual card to make purchases, with flexible weekly payments.

Lease-to-own in-store and onlineApply for spending limit up to $2,500Virtual credit card for purchases
🛍️ Shopping
(2.7K)
free
13
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
14
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(831K)
free with in-app purchases
15
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
💰 Finance
(30K)
free with in-app purchases
16
Bip: Simple cardless credit
Bip: Simple cardless credit
Bip: Simple cardless credit
Spend, save & control money
Free

This app offers cardless credit with no hidden fees, allowing users to manage their spending and finances easily. It provides features like spending caps, instant balance updates, and 24/7 support for a secure and controlled financial experience.

Cardless credit accessSpending caps and controlInstant balance updates
💰 Finance
(7)
free with in-app purchases
17
Aqua credit card
Aqua credit card
Aqua credit card
Build better credit with Aqua
Free

Easily manage your credit card account on the go. View balances, transactions, and make payments. Set up Direct Debits, manage statements, and update your contact details. Get support and access FAQs directly within the app.

View balance and credit limitTrack transactions (pending and posted)Make payments
💰 Finance
(325)
free
18
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
💰 Finance
(31K)
free with in-app purchases
19
Tymit Credit Card
Tymit Credit Card
Tymit Credit Card
The credit card, reinvented
Free

This app offers a unique credit card experience with complete control over spending and repayments. Spread purchases across up to 3 months interest-free or choose longer plans with transparent interest rates. Manage your finances with flexible repayment options and helpful spending tools.

Spread purchases interest-freeFlexible repayment schedulesPurchase simulator for planning
💰 Finance
(16)
free
20
Zilch (Dice Game)
Zilch (Dice Game)
Zilch (Dice Game)
The thrilling dice game
Free

A skill and luck-based dice game with single-player and local multiplayer modes. Compete against AI or friends, or join a large-scale "Rollout Rumble" challenge to survive elimination rounds. Features leaderboards and achievements.

Single player vs. AI opponentsLocal multiplayer for up to 4 playersRollout Rumble battle royale mode
🎮 Games
(0)
free with in-app purchases

FAQ about Zilch

What are the best zilch apps & games for iPhone?
Tabby: Send, spend and save tops our zilch apps & games ranking as of June 2026, with a 4.8-star average from 83K App Store ratings, and it's free to download.
Yes — 20 of the top zilch apps & games we rank are free to download, including Tabby: Send, spend and save and ZOOD: Buy Now, Pay Later.
Tabby: Send, spend and save has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 59+ zilch apps & games on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Tabby is rated 4+ and is suitable for users of all ages.
The latest version of Tabby is 4.84.0, and it was last updated on June 19, 2026. Updates ensure the app is reliable and offers the latest features.

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