The new app feature confused me greatly and left me short because the option for three months was hidden, They wouldn't change it to three months so i had to wait till i got paid again and freed up... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
A great way to repair your credit rating. Use like a debit card linked to your normal card to earn cashback. Was a little disappointed the first time I used it as wanted to pay in full and it didn't d... See more
Company replied
A truly terrific modern piece of software designed to coach and encourage prudent spending; albeit sometimes on luxury items, In short Zilch will reward the user with increased credit when cr... See more
Company replied
I originally saw this company on my Clear Score credit card page. I Googled the company and saw that it had great reviews. I applied and I had an immediate response. I was surprised to be offered such... See more
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Company details
- #33 of 60 best companies in Payment service
About Zilch
Written by the company
About Zilch
Join over 4 million customers and get the credit you deserve with Zilch. Pay your way – in-store or online – with responsible limits, no interest* and no late fees. Ever. *Purchase fees may apply.
From 18.6% APR Representative. Credit subject to status, 18+, UK residents only. T&Cs apply.
Pay with credit
S-t-r-e-t-c-h the cost of pricier purchases with credit limits up to £2250. Break down your payment into four equal chunks with Pay over 6 weeks or 3 months. And hit Snooze* whenever you need more time. *Subject to eligibility and fees may apply.
Pay with debit
The Zilch card links seamlessly with your bank account so you can pay via debit and get up to 5% back in Rewards every time you Pay now. Rewards are added to your account instantly, so you can use them to discount your next purchase or save them up for something special.
Exclusive deals
Download the Zilch app and browse our storefront for exclusive deals at brands you love, including Amazon, Morrisons, eBay and loads more.
Grow your credit
If you use Zilch regularly and always make your payments on time, your credit score could go up. We’ll also give you easy-to-follow tips on how to increase your credit limit.
Download App
Contact info
111 Buckingham Palace Road , SW1W 0SR, London, United Kingdom
- payzilch.com
4.4
Excellent
80K reviews
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See how their reviews and ratings are sourced, scored, and moderated.
I had a fraudulent purchase to resolve…
I had a fraudulent purchase to resolve and they did it with no issues. Thank you so much. Great customer service
7 May 2026
Reply from Zilch
If there’s one thing we love at Zilch, it’s making life easier for our customers, so it’s great you’ve had such a positive experience.
Thanks a bunch
Team Zilch
Reply from Zilch
That’s such great news. We love nothing more than a happy customer, so the fact you’re happy makes us happy. Smiles all round.
All the best
Team Zilch
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
Safe and comfortable
A very comfortable and safe way of spreading the cost. Reliable and friendly to chat to online if any problems arise.😀
19 August 2025
Reply from Zilch
Thanks for telling us about your experience with Zilch so far. We're so happy to have you on board.
Let us know if we can help with anything.
Thanks
Team Zilch
Really amazing
Really amazing , easy to follow app , no awkward questions ,, just quick and easy, no worries , no stress just there when you need them, always recommend them Ann
7 May 2026
Reply from Zilch
Thanks for your lovely feedback. We’ll be sure to share it with the relevant people.
All the best
Team Zilch
Reply from Zilch
We’re so glad you’re happy. Please reach out if we can help you with anything else. The best way to get in touch is via live chat or you can send us a message on Facebook, X (Twitter) or Instagram.
Thanks
Team Zilch
not that impressed…
i feel that payments could be spread out longer.. customer service not the easiest to make contact with
30 April 2026
Reply from Zilch
We really appreciate your feedback and we’re so sorry you’ve had some issues. We’ve sent an email to the address linked to your account with a bit of further information. Get back to us when you can so we can get to the bottom of this.
Thanks
Team Zilch
Great experience.
14 May 2026
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
Very impressed with the help and how…
Very impressed with the help and how fast my issue was resolved
7 May 2026
Reply from Zilch
If we had a pile of our favourite feedback, this one would go straight to the top.
Thanks so much
Team Zilch
Reply from Zilch
Thanks for taking the time to leave us feedback – and for making us smile today.
Do reach out if we can help you with anything.
All the best
Team Zilch
Reply from Zilch
Thanks for taking the time to leave us feedback, we love to hear when we’re doing a good job.
Team Zilch
Love zilch one of the best apps iven…
Love zilch one of the best apps iven ever used its straight forward and sinlmple in currently trying to build my spending limit
7 May 2026
Reply from Zilch
We appreciate you taking the time to leave us a review. We’re so glad you’re happy. We’ll keep up the good work.
Thanks
Team Zilch
Reply from Zilch
We love to hear positive feedback, so thanks for making our day.
Team Zilch
Buy stuff pay later
Your able to buy stuff that u may not be able to afford there and then so giving you the option to pay over time is great
14 May 2026
Reply from Zilch
We love to hear it. Cheers for taking the time to leave us your feedback, we’re always here if you need help.
Thanks
Team Zilch
Reply from Zilch
We hope your day is as wonderful as this review! We’re right here if you need anything.
Thanks
Team Zilch
Great app love it!!
6 May 2026
Reply from Zilch
That’s great, we’re so glad to have your feedback.
Drop us a message on Facebook, X (Twitter), Instagram or live chat if we can help with anything at all.
All the best
Team Zilch
Reply from Zilch
Thanks for taking the time to leave this amazing review. We love hearing positive feedback and we’re so chuffed you’re happy with Zilch.
Please reach out if we can help you with anything.
All the best
Team Zilch
Reply from Zilch
If there’s one thing we love at Zilch, it’s making life easier for our customers, so it’s great you’ve had such a positive experience.
Thanks a bunch
Team Zilch
Reply from Zilch
That’s such great news. We love nothing more than a happy customer, so the fact you’re happy makes us happy. Smiles all round.
All the best
Team Zilch
Reply from Zilch
Thanks for taking the time to share your experience. We're always happy to hear from our customers.
Please let us know if we can help in the future.
All the best
Team Zilch
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