Join Zilch Today and Get £10 Free to Spend at Over 5,000 Shops instantly – No Minimum Spend Required!

What is Zilch?
Zilch is a Buy Now Pay Later service allowing users to spread the cost of a purchase into weekly payments with no added interest. Users can also earn a cashback “Reward” by paying for purchases in full using the Zilch card.
Zilch can be used at over 5,000 shops with just a few taps.
Yes. Zilch does a soft credit check.
You can use Zilch at over 5,000 shops for free but alternatively you can use Zilch anywhere for a small upfront fee of £2.50.
No, Never. Zilch charges no interest.
Every users spending limit is different. Spending limits can be increased by paying your balance back on time or early.