Zilch review: Buy it using your virtual card, pay for it later

Pay over time, almost anywhere, with Zilch.

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Zilch is a virtual card that allows you to buy now, pay later at thousands of retailers including Amazon, eBay, Ali Express and Nike. Sooo… you know those goodies on your wishlist that you were patiently waiting until payday to buy? Zilch can help speed that along.

The interest-free payment service allows you to buy products when you want them, while spreading the cost of these items over four instalments in six weeks.

You can check out our full list of retailers that offer Zilch here.

How does Zilch work?

Glad you asked. Zilch is slightly different from other buy now, pay later services in that you will be given a virtual Zilch card. In order to use it, select your chosen store and then activate the card for that store.

After that, you can order your goods with the Zilch card and pay for it later. The upfront cost for the item comes in at 25% of the overall price tag, with the remaining balance taken every two weeks (over a period of six weeks) at 25% each time.

Here’s a little example

Say you wanted to buy a pair of Nike Air Force 1 trainers (£85). Your first payment of £21.25 would be taken at the checkout. Then, after 2 weeks a second payment of £21.25 is due. After 4 weeks you’ll wave goodbye to another £21.25 and then after 6 weeks (you guessed it) the final payment of £21.25 is taken.

  • First payment: 25% taken at checkout.
  • Second payment: 25% taken after 2 weeks.
  • Third payment: 25% taken after 4 weeks.
  • Fourth and final payment: 25% taken after 6 weeks.

Which retailers offer Zilch?

You can check out our full list of Zilch retailers and find out where you can buy now and pay later.

Fragrance Direct Fragrance Direct

£5 off orders over £50

Secret Sales Secret Sales

Womens Clothing: save up to 60% off


New customers: 10% off + Free Delivery

Tessuti Tessuti

Outlet: up to 50% off

Features of shopping with Zilch

  • Zero interest. Each purchase made through Zilch is interest free.
  • Pay in four. Spread your purchase across four equal fortnightly payments.
  • Zilch Anywhere. This upgrade allows selected customers to use Zilch with thousands of brands it partners with, but also those that it doesn’t (for an extra £2 fee), provided they allow Mastercard.
  • No early repayment charges. Zilch will collect your payments fortnightly but additional payments can be made earlier without a fee.
  • No late fees. Even if you fail to make your scheduled payments, you will not be charged a late fee, ever.
  • Not just clothing. Zilch is one of the few pay later providers offering its services beyond clothing and homewares brands. Think food, flights, books, plants… the list goes on.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

How much does Zilch cost to use?

Want the quick and easy answer to this question? Zilch. By that we mean it costs absolutely nothing to use, even if you forget to pay on time.

The only instance you may pay a little extra 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 £2 fee is added at the time of checkout.

What happens if I can’t make a Zilch payment?

If you fail to clear your balance when it’s 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. Zilch says that currently, using it will not affect your credit score.

Does Zilch perform a credit check?

Yes, Zilch runs a “soft” credit check to verify your details and to get an idea of your creditworthiness. This won’t impact your credit score and it won’t be visible to others on your credit record. You will be able to see it in your record, if you’ve signed up to access your credit file.

How to sign up for Zilch

At the moment, Zilch is operating a waiting list for new sign ups. If you want an account, simply visit this page and create one by entering an email address and a password. You will then receive an email with more information.

What can I do if something goes wrong?

On the off chance that you encounter a problem with Zilch, we suggest taking a look at the list of handy frequently asked questions on the site. Can’t find your query on there? Give Zilch a call on 020 3405 9775, or email the team at support@payzilch.com.

Pros and cons of Zilch

  • Buy it now, pay for it later. With Zilch you can order your chosen item when you want it and cover the costs later on, without having to wait until payday.
  • Interest free. Zilch never charges you interest, ever.
  • No early repayment charges. If you wish to clear your balance earlier than your scheduled repayment date, you can do so free of charge.
  • Use practically anywhere that offers Mastercard. Unlike some other buy now, pay later providers, you can use Zilch anywhere that accepts Mastercard payments, for an extra £2.
  • No hidden or late fees. 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.
  • Virtual card. No need to wait around for a plastic card, your Zilch card is virtual.
  • Extra charge at some retailers. If you want to use Zilch when shopping on a site that isn’t a partner, you will need to pay £2 more at the checkout.
  • Limited payment plans. 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 to suit different needs.

Our verdict

Zilch is an exciting newcomer and worth considering as an alternative to the likes of Klarna, Laybuy and Clearpay in the UK.

We like that Zilch charges no late fees if you miss a payment. The brand’s virtual card offers users something different, too, while also allowing shoppers to pay with Zilch wherever Mastercard is accepted. This includes through retailers it does not partner with. But a downside is that this costs an extra £2 at the checkout. Also, there is only one payment plan, which is set to fortnightly instalments over six weeks.

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