The response i received was quick and professional.. very understanding of current situation.. Then said May not be able to continue my account once paid off what was owed after review..
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Was easy to use this service and you can pay earlier if you wish. I wish I had understood the larger credit amount over 6 months as I would have chosen this option but you can’t change once your in ju... See more
Company replied
My experience with Zilch has been great. The app is very easy simple to navigate and use. The Zilch services are excellent such as where I can shop how the purchases are paid back by installments is r... See more
Company replied
It was fairly straight forward no problems whatsoever, credit check, then take a photo of your identity cards passport or driving license, then a quick photo, got it no problem. Keep uo the good work.... See more
Company replied
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.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I’ve had no problems in any place I’ve…
I’ve had no problems in any place I’ve used my card and the method of payment is perfect
March 16, 2026
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
Reply from Zilch
You’ve just made our day.
Thanks a million
Team Zilch
Customer service was very understanding…
Customer service was very understanding and very helpful they got everything sorted for me I definitely gave them 5 🌟 🌟 🌟 🌟 🌟
May 16, 2026
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
Reply from Zilch
*Happy dance*
Thanks for the amazing review.
Team Zilch
Very good service from these guys and…
Very good service from these guys and will to help
May 16, 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
Makes it easier for me to buy things I…
Makes it easier for me to buy things I need and gives me time to pay
May 16, 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
Zilch great company
Zilch is easy to use no issues will continue using in the future the repay installment is small and very manageable.
May 23, 2026
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
Reply from Zilch
OK, stop it now. You’re making us blush.
Thanks for the love
Team Zilch
zilch better than klarma
the members of the zilch team were very helpful because I wanted to know exactly how the card works and how the 6 week works and over 3 months work . before I do eney perchance. and to make 100% shur you can make the payments with no problems. the member of the team explained to me exactly so I know 100% how to use the services. and I would phone back iff I needed to speak to the team pluss I was telling my friends about the zilch card and they were saying it was better than klarma by far .I highly recommend this card as a option aspeshely iff you want spread the cost over 6 weeks or over 3 months. .mark
May 22, 2026
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
Zilch is hard to use their system, you can't purchase anything with card
The card and the system is hard to use and accessd
May 15, 2026
Reply from Zilch
We really appreciate your feedback and we’re so sorry you’ve had some issues. We’ve sent you a message so we can try to resolve this for you asap.
Thanks
Team Zilch
Reply from Zilch
Ah, that’s lovely to hear. Thanks so much. Please let us know if we can help with anything.
Team Zilch
It is so easy and convenient to use
It is so easy and convenient to use. The information about the payments is so clear and transparent
May 15, 2026
Reply from Zilch
You’ve just made our day.
Thanks a million
Team Zilch
Since they adjusted all the fees it…
Since they adjusted all the fees it appears to add a lot of interest to payments
Good service though, can’t complain
May 22, 2026
Reply from Zilch
Thanks for letting us know. We’re always looking at how we can improve our services at Zilch and, without your feedback, we wouldn’t be able to do this. We’ll pass your comments on to the relevant teams.
Thanks
Team Zilch
Zilch is shit
Zilch is shit, causes me more problems, never go there, they all your money, without you knowing
May 22, 2026
Unprompted review
Reply from Zilch
We’re really sorry to hear you haven’t had a good experience. We’d love to resolve this, so we’ve sent you a private message asking for your details. Your feedback is invaluable to us and we appreciate you taking the time to leave us a review. We look forward to hearing from you.
Thanks
Team Zilch
Used Zilch for a couple of years
Used Zilch for a couple of years. Everything OK until I had to fork out for some house repairs, recently. Which upset my finances for a short while. Went through the bot thing. They allowed me to leeway to get hold of funds on half a dozen installments. Gave me until 20 June to pay card up.Then they would review.Acc was blocked. Anyway I was able to pay a lot quicker, all settled up by 20 MAY. Left it a couple of days and still blocked. Tried contact human. Got the bot and then advised I think by humans that they could not do anything for about at least three more days and then they would review. Anyway I hate this going thru bot thing. Then I began to look at the fees I had been charged over the last few months. Very few purchases were fee free. Looked at what they would charge if purchases over £75 for six weeks and the exorbitant amounts if over three months. Too much. After a bit of thought I decided to close the account. Which I did. It had a credit limits of 1200/1800. Which shows overall I was a VG payer. I think they want to make as much money as possible with this new fee structure. I think they have also tinkered about with the way u make a purchase using card in wallet. Card details changed, or something. Just seemed harder to use when at checkout, as well. Anyways, goodbye Zilch.
May 22, 2026
Unprompted review
Reply from Zilch
We’re very sorry to hear this – we’ve sent you a private message requesting your details so we can investigate this fully for you.
Thanks
Team Zilch
Such used to be brilliant. No longer good service.
Such used to be brilliant. Other than the customers service is utterly appalling but the last few months as I used to use it all the time and pay off early, it’s rubbish. No longer an incentive to pay off early so as the fees are higher I don’t bother as I’ve paid more to use it. Also twice this month it’s taken over six when authorised for over three months, and just now took full balance when it was not authorised for pay now. I double check so I know what I’m authorising. When I spoke to C.S about the pay over six they said it can’t happen, well it did and it HAS happened before as they apologised and put it to the terms I asked for. I’ve got the emails they sent me to to prove it DOES happen. After today’s fiasco I won’t bother contacting C.S but I also won’t bother using Zilch again. It’s now cheaper to use my C.C anyway as paying early I don’t get charged what Zilch charge. Hilarious really when the founder apparently started zilch due to mitigate high credit card charges. Didn’t take long to see the ££££ signs. I don’t mind paying but not when my C.C is cheaper as I generally pay off quite quickly. So it’s pointless.
May 22, 2026
Unprompted review
Reply from Zilch
We’re really sorry to hear you haven’t had a good experience. We’d love to resolve this, so we’ve sent you a private message asking for your details. Your feedback is invaluable to us and we appreciate you taking the time to leave us a review. We look forward to hearing from you.
Thanks
Team Zilch
Excellent customer service from Zilch
Excellent customer service from Zilch. I had a disputed transaction and the team handled everything very efficiently and professionally. The process was quick, communication was clear, and I received my money back within just a few days. Really impressed with how smoothly everything was resolved. Highly recommended!
May 15, 2026
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
Reply from Zilch
*Happy dance*
Thanks for the amazing review.
Team Zilch
The help I received regarding my card…
The help I received regarding my card declining, was fast and helpful. All I needed to do was input my pin number to register card, then all onward transactions will go through. 😊
May 14, 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
Reply from Zilch
We really appreciate your feedback and we’re so sorry you’ve had some issues. We’ve sent you a message so we can try to resolve this for you asap.
Thanks
Team Zilch
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.