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..
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Review summary
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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
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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
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App freezing constantly wasn’t great…
App freezing constantly wasn’t great but I’m happy
May 20, 2026
Reply from Zilch
We appreciate all feedback – good and bad – so thanks for leaving your review. 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
Excellent
Excellent, Zilch has helped me get through some tough times,best company ever,
February 27, 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
Life saver card and really easy and…
Life saver card and really easy and perfect back up card when funds are skinny
April 17, 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
My boy has been with u and was happy…
My boy has been with u and was happy and was telling .e about u so I tried with yourself and I was really impressed with how u took me thru the process bit by bit thanks
May 13, 2026
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
The customer advisers are friendly and…A great experiencd.9
The customer advisers are friendly and knowledgeable. The process is simple. The customers are very happy to deal with this. company..
May 20, 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
Very easy tk apply and stress free good…
Very easy tk apply and stress free good for emergency
May 18, 2026
Reply from Zilch
OK, stop it now. You’re making us blush.
Thanks for the love
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
Really really poor and even worse I pay…
Really really poor and even worse I pay for the premium service! I unfortunately have been going round and round for the last 6 weeks and still no further forward on both complaints. Raised a chargeback due to a scam website (yes my own fault) battled to get that arranged but was told it had been raised, the vendor has 30 days to respond and if they didn’t it will be closed in my favour and a refund issued. Chased yesterday to be reassured it will be actioned right away as soon as it hits midnight. Chased again today and have been told no they are only today initiating the chargeback and the vendor has a further 30 days to refund me 🤯 how can I be lied to on so many occasions and how can a responsible regulated company allow a scam company to retain funds for so long. Appalling service with cut and paste responses which are completely inaccurate anyway! £200 out of pocket still, was relying on the refund and now I’m expected to wait a further 30-45 days. Won’t even go into my other complaint however anytime you use the card for pay now, screenshot to prove you’ve activated the card or they won’t add the cash back and will claim you didn’t activate despite literally being redirected from Zilch to the vendor after clicking activate now. They can’t explain that one either surprisingly! For days I’ve been asking for a manager to contact me and a complaint to be raised but nothing. Just chat after chat being closed on me.
May 20, 2026
Unprompted review
Reply from Zilch
We've requested your details so we can support you with whatever you need. You can also get in touch with us via Live Chat in the app or you can send us a direct message on Facebook, Instagram or X (Twitter). Hopefully, we can resolve this for you asap.
Thanks
Team Zilch
Fantastic help 😀
It is something that helps me out to get on with finance especially when I'm trying to get out of diets this i a big helps thank you 😊 🙏
May 18, 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
The response i received was quick and…
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..
May 13, 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
Amazinnng payments just perfect can pay…
Amazinnng payments just perfect can pay more when u want awesome👏
May 13, 2026
Reply from Zilch
You’ve just made our day.
Thanks a million
Team Zilch
Reply from Zilch
Thanks for this excellent review.
We love stars. Especially when there are five of them.
Team Zilch
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
Brilliant and fastest experience online…
Brilliant and fastest experience online with buy now pay later. Thank you
May 20, 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
This very helpful yo have especially as…
This very helpful yo have especially as it allows you to pay things back in time
May 20, 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
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
Scammers,bullying ,harassment,poor…
Scammers,bullying ,harassment,poor service…I don’t recommend
May 12, 2026
Reply from Zilch
We're sorry you've had a bad experience with Zilch. We've sent you a message so we can try to figure out what's gone wrong here. Please respond when you can and we'll get to the bottom of it.
Just want to thank you for…
Just want to thank you for understanding and that I will start paying my payment on the 29th may this is the best card I ever had
May 13, 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
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
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