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
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Review summary
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What people talk about most
Reviews shaping this summary
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
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
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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
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Company details
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
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
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It’s good
It’s good, but the 3 months payment is better. But thanks anyway. Super helpful
May 30, 2026
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
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
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
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
I thought this was a credit card
May 29, 2026
Reply from Zilch
We’re so sorry you haven’t been able to get in touch with us. We’ve sent you a private message so we can try to sort this out for you ASAP.
Thanks
Team Zilch
Reply from Zilch
OK, stop it now. You’re making us blush.
Thanks for the love
Team Zilch
Fantastic service
Fantastic service, fantastic customer service, would recommend all day long!!
May 23, 2026
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
Reply from Zilch
You’ve just made our day.
Thanks a million
Team Zilch
It was very effective as your write ups
May 30, 2026
Reply from Zilch
We love to hear positive feedback, so thanks for making our day.
Team Zilch
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 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
very efficient
May 23, 2026
Reply from Zilch
We hope your day is as wonderful as this review! We’re right here if you need anything.
Thanks
Team Zilch
Beautiful service
May 30, 2026
Reply from Zilch
Ah, that’s lovely to hear. Thanks so much. Please let us know if we can help with anything.
Team Zilch
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
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
It makes buying easy
It makes buying easy. Spending becomes an habit and hobby with zilch. I love it so much
May 16, 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
Really find it easy to use and have…
Really find it easy to use and have loads of amazing benefits with the app
May 30, 2026
Reply from Zilch
We love to hear positive feedback, so thanks for making our day.
Team Zilch
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
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
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
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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