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Zilch is a virtual payment card that allows users to shop now and pay later for goods at thousands of online stores.
The best thing about Zilch is that it can be used at almost any online store, regardless of whether or not the retailer is partnered with Zilch itself. The below retailers offer Zilch as a payment method for free, but other online retailers may charge you a fee of £2.50 to use the platform.
Top shops that offer Zilch
How does Zilch work?
Zilch is slightly different to other buy now, pay later services (such as Klarna and Clearpay) in that you will be given a virtual Zilch card. In order to use it, select your chosen store on Zilch’s website, activate the card for that store and then start shopping! After that, you can order your goods with the Zilch card and the total cost of your shopping will be divided into four even chunks. At the time of purchase, 25% of the total order cost will come out of your attached payment method. The remaining 75% of the total will be taken from your account every 2 weeks (over a period of 6 weeks) at 25% each time.
Buy now pay later news and reviews
Buy now pay later
Half of adults in the UK – around 26.4 million Brits – have now used buy now, pay later (BNPL), according to new research.
Credit Cards
Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.
Buy now pay later
Discover more about PayPal Credit to see if it could work for you.
Buy now pay later
New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.
Buy now pay later
Klarna vs PayPal: Compare popular buy now pay later platforms
Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.
Buy now pay later
PayPal’s buy now, pay later service splits your shopping into three interest-free payments. We look at how to apply, key features and where you can shop.
Buy now pay later
Flava offers a pay later service different to any other in the UK, with a focus on groceries. Find out about fees and credit checks in our review.
Buy now pay later
Zilch review: Buy it using your virtual card, pay for it later
Zilch allows consumers to pay for goods over time, almost anywhere. But what are its pros and cons and how does it compare to other BNPL providers?
Buy now pay later
Download our free paper to get original research and data-driven analysis, as well as expert commentary and predictions on the future of buy now, pay later platforms in the retail industry.
Buy now pay later
Looking to buy now and pay later? Spread the cost of your purchase across a specified time period with DivideBuy.
Buy now pay later
Read our review to see how Payl8r works and decide if it’s the right choice for you.
Buy now pay later
Check out our review of Laybuy, to see whether this buy now pay later interest-free plan could work for you.
Buy now pay later
Clearpay or Klarna: What are the differences and which should you use?
Check out our comparison of Clearpay vs Klarna and find out which might be the right choice for you.
Buy now pay later
Looking to buy now but pay later? Find out which buy now pay later companies are available to you in the UK and a little about what each entails.
Buy now pay later
Find out everything you need to know about the UK’s latest buy now pay later service, Clearpay. Learn how Clearpay works and the pros and cons of using it.
Buy now pay later
Wondering where you can shop using your new Clearpay account? Check out our full list of Clearpay shops here and buy now, pay later.
Buy now pay later
Discover which UK retailers accept Laybuy, a retail payment platform that allows you to buy now and pay later for your next online shop.
Buy now pay later
What is Klarna? We discuss how the buy now, pay later platform works, the pros and cons of using it and what happens if you miss a payment.
Buy now pay later
Find out which shops take Klarna and how the buy now, pay later scheme works. Browse your favourite UK shops that offer this way to budget your online shopping.
Buy now pay later news and reviews
More resources on Finder
More guides on Finder
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PayPal Pay in 3 review: What is it and how does it work?
PayPal’s buy now, pay later service splits your shopping into three interest-free payments. We look at how to apply, key features and where you can shop.
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Buy now, pay later (BNPL) statistics
Buy now, pay later (BNPL) usage is growing fast in the UK and around the world. Here are the latest BNPL statistics.
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Flava review: Get your groceries now, pay later
Flava offers a pay later service different to any other in the UK, with a focus on groceries. Find out about fees and credit checks in our review.
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DivideBuy review: Spread the cost of payments online
Looking to buy now and pay later? Spread the cost of your purchase across a specified time period with DivideBuy.
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Payl8r review: Buy now and pay l8r for your online shopping
Read our review to see how Payl8r works and decide if it’s the right choice for you.
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Laybuy review: Buy it now and pay it off later
Check out our review of Laybuy, to see whether this buy now pay later interest-free plan could work for you.
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Full list of stores that accept Clearpay
Wondering where you can shop using your new Clearpay account? Check out our full list of Clearpay shops here and buy now, pay later.
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Full list of shops that use Laybuy in the UK
Discover which UK retailers accept Laybuy, a retail payment platform that allows you to buy now and pay later for your next online shop.
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Klarna review: Flexible payments for online shopping
What is Klarna? We discuss how the buy now, pay later platform works, the pros and cons of using it and what happens if you miss a payment.
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Full list of shops that use Klarna
Find out which shops take Klarna and how the buy now, pay later scheme works. Browse your favourite UK shops that offer this way to budget your online shopping.