Zilch Reviews 80,132

TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 12,668 reviews, reviewers overwhelmingly had a great experience with this company. Many customers find the service incredibly helpful for managing their spending and appreciate the flexibility it offers for spreading costs over time, making purchases more affordable. The user experience is often described as straightforward and seamless, similar to using any other card, with many highlighting the ease of transactions and the clear breakdown of payments. Reviewers also frequently praise the customer service and staff for being excellent, efficient, professional, and understanding, especially when dealing with issues or financial difficulties. However, some customers also noted confusion regarding how the payment system works, particularly with default settings for immediate payment versus spreading costs. A few other people also felt that customer service was difficult to reach or unhelpful, with some experiencing slow responses or issues that took a long time to resolve. There were also mentions of the service not functioning as a typical credit card, requiring funds in a linked account, which some found pointless.

What people talk about most

User experience

People report positive experiences with user experience, finding the application process and overall use of... See more

Payment

Users describe ambiguous interactions with payment, with some finding it easy to spread costs over several... See more

Service

Clients share positive opinions on service, with many describing it as very good, fantastic, and absolutely... See more

Customer service

Reviewers highlight ambiguous aspects of customer service, with many praising the helpfulness and efficiency... See more

Staff

Reviewers mention positive feedback about staff, highlighting their helpfulness and efficiency. Customers... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I’ve been really impressed with the Zilch physical card. It’s convenient, easy to use, and works smoothly both in stores and online. I like having the flexibility to spread payments when needed whi... See more

Company replied

Rated 5 out of 5 stars

I have been using Zilch from 2021 few years now and been so grateful and helpful I can spread my costs in my shopping and etc. it is a big help for customer like me as I am a full time student at the... See more

Company replied

Rated 5 out of 5 stars

Absolutely brilliant service. Love my Zilch account. Helps me spread the cost of more expensive purchases. When I had a problem with something not behind delivered, they were incredibly helpful, took... See more

Company replied

Rated 5 out of 5 stars

My first purchase with Zilch was great, straight forward and just like using any other card. The only thing to remember is: make sure you set your payment to spread the cost to pay over time, I d... See more

Company replied


Company details

  1. 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

TrustScore 4.5 out of 5

80K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

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Rated 5 out of 5 stars

It’s good

It’s good, but the 3 months payment is better. But thanks anyway. Super helpful

May 30, 2026
Zilch logo

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

Rated 2 out of 5 stars

Could not make payment with my phone yesterday

Could not make payment with my phone yesterday,my payment was declined twice.And that was the only payment method that was with me

May 30, 2026
Zilch logo

Reply from Zilch

We appreciate all feedback – good and bad – so thanks for leaving your review. We know what's gone wrong here so we're going to send you an email with more information.


Thanks

Team Zilch

Rated 1 out of 5 stars

Read the small print

Read the small print. They are not a credit card.

May 14, 2026
Zilch logo

Reply from Zilch

We appreciate all feedback – good and bad – so thanks for leaving your review. We know what's gone wrong here so we're going to send you an email with more information.


Thanks

Team Zilch

Rated 5 out of 5 stars

Brilliant

Brilliant app if short on money at the time.

May 30, 2026
Zilch logo

Reply from Zilch

OK, stop it now. You’re making us blush.


Thanks for the love
Team Zilch

Rated 5 out of 5 stars

Fantastic service

Fantastic service, fantastic customer service, would recommend all day long!!

May 23, 2026
Zilch logo

Reply from Zilch

Thanks for this excellent review.
We love stars. Especially when there are five of them.


Team Zilch

Rated 5 out of 5 stars

Team

It’s ok app for small

May 23, 2026
Zilch logo

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

Rated 5 out of 5 stars

Great and easy

Easy and you can pay what you can afford

May 30, 2026
Zilch logo

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

Rated 5 out of 5 stars

very efficient

May 23, 2026
Zilch logo

Reply from Zilch

We hope your day is as wonderful as this review! We’re right here if you need anything.


Thanks
Team Zilch

Rated 5 out of 5 stars

I love using zilch it helps me y am…

I love using zilch it helps me y am waiting a pay at end of every month or 2 weeks the people u message for any problem or advise there so ever so friendly and help full

May 16, 2026
Zilch logo

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

Rated 5 out of 5 stars

It makes buying easy

It makes buying easy. Spending becomes an habit and hobby with zilch. I love it so much

May 16, 2026
Zilch logo

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

Rated 5 out of 5 stars

So easy to use the app took me straight…

So easy to use the app took me straight to the site I wanted to purchase from and all completed in a couple of minutes really pleased thank you

May 30, 2026
Zilch logo

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

Rated 5 out of 5 stars

Very brilliant idea

Very brilliant idea

May 30, 2026
Zilch logo

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

Rated 5 out of 5 stars

Easy to use and convenient with pay…

Easy to use and convenient with pay over 6 weeks and so easy to set up

May 30, 2026
Zilch logo

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

Rated 5 out of 5 stars

I think the card s very good

I think the card s very good

May 23, 2026
Zilch logo

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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