{"id":331970,"date":"2020-09-03T17:23:31","date_gmt":"2020-09-03T16:23:31","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=331970"},"modified":"2026-03-17T09:27:42","modified_gmt":"2026-03-17T09:27:42","slug":"zilch-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/zilch-review","title":{"rendered":"Zilch review: Buy it using your virtual card, pay for it later"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><ul class=\"list-3\"><li>Representative Example: 14.9 APR Representative based on total spend: \u00a31,000 (+\u00a311.50 fees). Total repayable: \u00a31,011.50 paid over 6 weeks or 3 months, 1st payment \u00a311.50, then 2 payments of \u00a3333.33 and a final payment \u00a3333.34. Credit subject to status. T&amp;Cs<br>apply.<\/li><\/ul><\/div><\/article><p>Zilch is a virtual Mastercard that allows you to pay in full or spread the cost of purchases at thousands of retailers.<\/p><p>You can pay with Zilch at pretty much any card-accepting store (in-person or online), but how much Zilch costs depends on whether the store is one of Zilch\u2019s thousands of partners or not. If it is, great, you could pay \u201clower or no fees\u201d. If it\u2019s not, then you can still pay using \u201cZilch Anywhere\u201d with a fee of up to \u00a33.50 (for purchases under \u00a375, \u00a34.50 tereafter) to pay over 6 weeks or up tp \u00a340 (6%)to pay over 3 months. That\u2019s the painful part. The nicer part is that you don\u2019t pay interest.<\/p><p>The interest-free payment service allows you to buy products when you want them while spreading the cost of these items. The key is to ensure you can afford the repayments.<\/p><div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"how\">How does Zilch work?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Zilch is slightly different from buy now, pay later services in that you will be given a virtual Zilch card. In order to use it, select your chosen store from the Zilch website or app and then activate the card for that store.<\/p><p>After that, you can order your goods with the Zilch card and pay for them later. The upfront cost for the item comes in at 25% of the overall price tag, with the remaining balance taken every 2 weeks (over a period of 6 weeks) at 25% each time.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h4>Here\u2019s a little example<\/h4><p>Say you wanted to buy a pair of Nike Air Force 1 trainers (\u00a385). Your first payment of \u00a321.25 would be taken at the checkout. Then, after 2 weeks, a second payment of \u00a321.25 is due. After 4 weeks, you\u2019ll wave goodbye to another \u00a321.25, and then after 6 weeks, (you guessed it) the final payment of \u00a321.25 is taken.<\/p><h5>Summary<\/h5><ul><li><strong>First payment<\/strong>: 25% taken at checkout.<\/li><li><strong>Second payment<\/strong>: 25% taken after 2 weeks.<\/li><li><strong>Third payment<\/strong>: 25% taken after 4 weeks.<\/li><li><strong>Fourth and final payment<\/strong>: 25% taken after 6 weeks.<\/li><\/ul><\/div><\/article><\/div><\/div><\/div><h3>What\u2019s the difference between Zilch Up, Zilch Classic and Zilch X?<\/h3><table class=\"luna-table luna-table--responsiveList luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Zilch Up<\/th><th scope=\"col\">Zilch Classic<\/th><th scope=\"col\">Zilch X<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Representative APR<\/th><td data-title=\"Zilch Up\">31.9%<\/td><td data-title=\"Zilch Classic\">18.6%<\/td><td data-title=\"Zilch X\">14.9%<\/td><\/tr><tr><th scope=\"row\">Credit limit<\/th><td data-title=\"Zilch Up\">Up to \u00a3800<\/td><td data-title=\"Zilch Classic\">Up to \u00a33,000<\/td><td data-title=\"Zilch X\">Up to \u00a34,500<\/td><\/tr><tr><th scope=\"row\">How long do I have to pay back?<\/th><td data-title=\"Zilch Up\">6 weeks (you pay 25% or 50% upfront).<\/td><td data-title=\"Zilch Classic\">6 weeks or 3 monhs (you pay 25% upfront)<\/td><td data-title=\"Zilch Up\">6 weeks or 3 monhs (you pay from 0% upfront)<\/td><\/tr><\/tbody><\/table><p>In all cases, no late payment fees apply (but transactions fees may apply), and you can \u201csnooze\u201d instalments for 4 or 8 extra days.<\/p><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Which retailers offer Zilch?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>You can check out our <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/zilch-stores\">full list of Zilch retailers<\/a>.<\/p><\/div><\/div><\/div>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 100px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>Features of shopping with Zilch<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li><strong>Zero interest.<\/strong> Each purchase made through Zilch is interest free (transaction fees can apply).<\/li><li><strong>Pay in 4.<\/strong> Spread your purchase across 4 equal fortnightly payments.<\/li><li><strong>Build credit.<\/strong> Aim to build your credit score by paying on time.<\/li><li><strong>Increasing credit limit.<\/strong> In the app, you\u2019ll be able to see one-time tasks to help you boost your credit limit.<\/li><li><strong>No early repayment charges.<\/strong> Zilch will collect your payments fortnightly but additional payments can be made earlier without a fee.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li><strong>Earn Rewards.<\/strong> If you pay for a purchase in full at the checkout, you can earn Zilch Rewards.<\/li><li><strong>No late fees.<\/strong> Even if you fail to make your scheduled payments, you will not be charged a late fee. However, missed payments are reported to credit reference agencies (CRAs) and can hurt your credit score.<\/li><li><strong>Not just clothing.<\/strong> Zilch is one of the few pay later providers offering its services beyond clothing and homewares brands. Think food, flights, books, plants\u2026 the list goes on.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><ul class=\"list-3\"><li>Warning: Late repayments can cause you serious money problems. For help, contact the <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a>.<\/li><\/ul><\/div><\/article><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How much does Zilch cost to use?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>It costs nothing to use, even if you forget to pay on time.<\/p><p>The only instance you may pay more than your scheduled amount is if you want to use Zilch to pay for goods from a brand it does not work with. In this case, a fee of up to \u00a33 is added at the time of checkout.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What happens if I can\u2019t make a Zilch payment?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Zilch will report missed payments to all 3 CRAs (Equifax, Experian and TransUnion) and this can damage your <a data-trigger-introductory-modal=\"true\">credit score<\/a>. This can have consequences for borrowing from other lenders, so it\u2019s vital that you keep on top of your payments.<\/p><p>If you fail to clear your balance when it\u2019s due, contact the Zilch support team. If you fail to clear your balance from this point onwards, you may end up being ineligible to use Zilch at all. The service will always send you emails to remind you of any overdue amounts. <\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Will using Zilch affect my credit score?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>As of January 2023, using Zilch can affect your credit score. Zilch shares payment information with all 3 CRAs, so if you miss any, your score could drop. Other shared information includes your credit limit, outstanding amounts and your payment status.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Does Zilch perform a credit check?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Zilch runs a \u201csoft\u201d credit check to verify your details and get an idea of your creditworthiness. This won\u2019t impact your <a data-trigger-introductory-modal=\"true\">credit score<\/a> and it won\u2019t be visible to others on your credit record. <em>You<\/em> will be able to see it in your record, if you\u2019ve signed up to <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/free-credit-report\">access your credit file<\/a>.<\/p><p>Based on its \u201csoft\u201d credit check, Zilch will then give you its own credit score to determine how much you can spend with them. This will not affect your overall credit rating.<\/p><\/div><\/div><\/div><\/div><h3>How to sign up for Zilch<\/h3><p>If you want an account, simply visit <a href=\"https:\/\/customers.payzilch.com\/signup\" rel=\"noopener noreferrer\" target=\"_blank\">this page<\/a> and create one by entering an email address and a password. You will then receive an email with more information on how to link your debit card to your Zilch account.<\/p><h3>What can I do if something goes wrong?<\/h3><p>On the off chance that you encounter a problem with Zilch, we suggest taking a look at the list of handy <a href=\"https:\/\/payzilch.zendesk.com\/hc\/en-gb\" target=\"_blank\" rel=\"noopener\">frequently asked questions<\/a> on the site. Can\u2019t find your query on there? Give Zilch a call on 020 3405 9775 or email the team at support@payzilch.com.<\/p><h3>Is Zilch safe?<\/h3><p>Zilch is a PCI DSS Level 2 certified compliant service provider (which means it meets requirements to prevent data breaches and payment card fraud) and authorised by the Financial Conduct Authority.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Keep in mind that, unlike credit card purchases, BNPL spending is typically not covered by Section 75 of the Consumer Credit Act. This means you don\u2019t have the same level of protection if your purchase doesn\u2019t arrive, it\u2019s damaged or the retailer goes bust. With Zilch cards, you get Section 75 protection <a href=\"https:\/\/help.zilch.com\/en\/articles\/165488-what-is-section-75\" target=\"_blank\" rel=\"noopener\">unless you\u2019re using \u201cPay in 1\u201d<\/a>.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Zilch customer reviews<\/h3><p>Most reviews of Zilch we\u2019ve found online are positive, with customers praising its ease of use and how handy it is to spread the cost of items over a number of weeks. Zilch scores 4.6 out of 5 on Trustpilot, which is an \u201cExcellent\u201d rating, based on over 55,000 customer reviews (updated May 2024). <\/p><p>There are some negative reviews, too. These focus on poor customer service, particularly from customers who have struggled to make contact with Zilch when they experience a problem or have trouble meeting their payments.<\/p><h3 id=\"pros\">Pros and cons of Zilch<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-4\"><li><strong>Buy it now, pay for it later.<\/strong> With Zilch, you can order your chosen item when you want it and cover the costs later on, without having to wait until payday.<\/li><li><strong>Zero interest.<\/strong> Zilch never charges you interest, though transaction fees may apply.<\/li><li><strong>No early repayment charges.<\/strong> If you wish to clear your balance earlier than your scheduled repayment date, you can do so free of charge.<\/li><li><strong>Use practically anywhere that offers Mastercard.<\/strong> Unlike some buy now pay later providers, you can use Zilch anywhere that accepts Mastercard payments.<\/li><li><strong>No hidden or late fees.<\/strong> You will never be surprised with nasty fees. The only time you may pay more than the item itself is if you want to shop from a site that Zilch is not partnered with.<\/li><li><strong>Virtual card.<\/strong> No need to wait around for a plastic card since your Zilch card is virtual.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-13\"><li><strong>Extra charge at some retailers.<\/strong> If you want to use Zilch when shopping on a site that isn\u2019t a partner, you will need to pay up to \u00a33 more at the checkout.<\/li><li><strong>Can damage your credit. <\/strong> Zilch reports missed payments to CRAs, meaning you could damage your <a data-trigger-introductory-modal=\"true\">credit score<\/a>.<\/li><li><strong>Limited payment plans.<\/strong> Zilch only allows users to split payments into 4 equal chunks over 6 weeks, at 25% of the overall cost of the item. Whereas, some other services offer a range of plans.<\/li><li><strong>You can\u2019t suspend payments.<\/strong> Unlike BNPL platforms, you can\u2019t suspend payments while waiting for a retailer to process a refund. This means you\u2019ll still be charged your fortnightly instalments until your return is processed.<\/li><\/ul><\/div><\/div><h3>Our verdict<\/h3><p>Zilch is constantly evolving and has some new launches on the horizon, so it\u2019s certainly one to watch. Unlike some of its competitors, Zilch doesn\u2019t charge late payment fees, but remember that missing payments can hurt your credit score and make it difficult to get credit again in the future. If you want to use a credit card or BNPL service, be sure to only ever spend what you can afford to repay.<\/p><h3>Have more questions about Zilch?<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How can I contact Zilch?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The fastest way to contact Zilch is through live chat, which is available 8am to 7pm, 7 days a week. Or you can phone <a href=\"tel:\/\/02034059775\">020 3405 9775<\/a> between 8am and 7pm, 7 days a week.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Which cards does Zilch accept?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can link your Zilch virtual card to any UK-issued debit card.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I return an order?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Contact the retailer you purchased your item from.<\/p><p>All returns are subject to the retailer\u2019s returns policy. Zilch will not cancel your payment plan until it has confirmation from the retailer of your return and your refund is being processed. If you have a specific concern, contact Zilch\u2019s customer service via phone or email.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Where do I go to manage my payments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Log in to your online Zilch account to view your repayment schedule.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">When will my first payment be taken?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Your first instalment of 25% is required to place an order. The remaining 3 payments are due every 2 weeks after that date.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Is Zilch in the UK?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It is indeed. Through Zilch, you can pay later at (nearly) all your favourite retailers in the UK.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">How much can I spend with Zilch?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on individual circumstances. When on your Zilch homepage, select where you\u2019d like to shop and you\u2019ll be able to see the maximum amount you can spend at that store. As you use Zilch more, this amount may vary based on how much you\u2019ve shopped and how many purchases you\u2019ve fully paid back.<\/p><\/div>\n  <\/div>\n<\/li><\/ul> \n\n\n<style>\n#newsletter-fltr-signup { display:none; position: fixed; bottom: 0; left: 0; width: 100%; z-index: 5; padding: 0.5em 0em 0em; box-sizing: border-box; }\n.newsletter-fltr-signupImage { width: 92px; min-width: 92px; position: absolute; bottom: -32px; right: 0; padding-right: 8px; }\n.newsletter-fltr-signupGrid { padding-bottom: 0 !important; }\n#newsletter-fltr-signup-close-btn:hover { cursor: pointer; }\n#newsletter-fltr-signup-close-btn { color: #232320; background: #C3F53C; border-radius: 4px 4px 0px 0px; height: 1.5em; width: 80px; margin: -2em 0em 0.5em auto; text-align: center; padding-top: 4px; box-sizing: border-box; }\n.newsletter-fltr-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.2px; }\n.newsletter-fltr-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 20px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; }\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-fltr-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 7.5em; }\n.newsletter-fltr-signupCard { height: 120px; }\n.newsletter-fltr-signupImage { bottom: 0; min-width: 100px; }\n}\n@media only screen and (max-width: 601px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 12em; }\n.newsletter-fltr-signupCard { height: 200px; }\n}\n@-webkit-keyframes fadein { 0% { opacity: 0; } 100% { opacity: 1; } }\n@keyframes fadein { 0% { opacity:0; } 100% { opacity:1; } }\n.fadeIn { opacity: 1; -moz-animation: fadein 0.5s linear; -webkit-animation: fadein 0.5s linear; animation: fadein 0.5s linear; }\n<\/style>\n\n\n\n<div id=\"newsletter-fltr-signup\" class=\"u-bg--lime-500\">\n<div class=\"f1-main-right-content transition-all f1-main-right-content--collapsed\">\n<div class=\"content\">\n\n<div id=\"newsletter-fltr-signup-close-btn\" class=\"text-x-small\">Hide <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\"><use xlink:href=\"#chevron-down\"><\/use><\/svg><\/div>\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom\" style=\"width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-fltr-signupImage\" width=\"92\" height=\"159\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=276 276w\" sizes=\"(max-width: 276px) 100vw, 276px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! 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Thanks for signing up.\";\nsetTimeout(fltrCloseNewsletterSignup, 1000);\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n};\n\nfunction fltrSendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\nfunction fltrCloseNewsletterSignup() {\ndocument.getElementById(\"newsletter-fltr-signup\").style.display = \"none\";\ndocument.getElementById(\"newsletter-fltr-signup\").classList.add(\"clsd\");\n}\n\ndocument.getElementById(\"newsletter-fltr-signup-close-btn\").onclick = fltrCloseNewsletterSignup;\n\nvar myScrollFunc = function() {\nvar fltremlsgnp = document.getElementById(\"newsletter-fltr-signup\");\nvar y = document.documentElement.scrollTop;\nif (y > 750 && !fltremlsgnp.classList.contains(\"clsd\")) {\nfltremlsgnp.style.display = \"block\";\nfltremlsgnp.classList.add(\"fadeIn\");\n}\n};\n\nwindow.addEventListener(\"scroll\", myScrollFunc);\n<\/script>","protected":false},"excerpt":{"rendered":"<p>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 card issuers or BNPL providers?<\/p>\n","protected":false},"author":1175,"featured_media":570596,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"1047","post_reviewer_date":"2026-01-09T09:01:31","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[109833],"tags":[3986],"asset_tag":[],"class_list":["post-331970","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buy-now-pay-later","tag-buy-now-pay-later"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zilch review 2026: What is it and how does it work? | Finder UK<\/title>\n<meta name=\"description\" content=\"Zilch allows consumers to pay for goods over time. 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