Zilch

Zero interest, zero surprises.

Zilch is the best way to pay, over time, anywhere. We do not charge interest, and have no hidden fees. We take into account what you can afford, by linking with open banking, and tell you how much you can spend on your next spend with us; so no more getting to checkout and being denied.

Find over 4,500 stores on our platform to shop with, for free, including Amazon, Ebay, and ASOS, or choose Zilch Anywhere, and shop wherever you like for a very small upfront fee.

Brief:

Zilch is an innovative virtual card payment app that offers the flexibility to split your purchases into four manageable installments over six weeks. Redefine the way you shop with a sustainability-conscious, plastic-free approach and without the fear of incurring interest or hidden fees.

Core Features:

• Virtual Zilch Card ?: Shop anywhere and split your payment into four installments with a virtual Mastercard.
• Interest-Free Installments ??: Enjoy zero interest on your purchases and spread the cost over six weeks.
• Payment Snooze Option ⏰: Need extra time to pay? Use the 'Snooze' feature for an additional four days.
• Affordability Check with Credit Kudos ?: Partnered with an open banking provider to keep your spending in check.
• Zilch Boost ?: Double your spending power for a purchase with the Boost feature.

Pros:

• Saves Money ?: Zilch users save an average of £350 annually by avoiding interest and fees.
• User-Centric ?: Designed with consumer welfare in mind, ensuring transparent, controllable spending.
• Rewards Program ?: Unlock more app features by spending responsibly and timely.
• Hassle-Free Refunds ?: Refunds are processed easily and tracked within the app.
• Safe & Secure ?: Protection offered through a virtual Mastercard, ensuring peace of mind.

Cons:

• Limited Balance ?: Access to a controlled balance may not cater to those needing higher credit.
• Upfront Fee in Some Cases ?: A small fee is added to payments if the store does not cover the service fee.
• Credit Assessment Required ✅: Prior assessment by Credit Kudos is mandatory to ensure responsible spending.
• Limited Boost Amount ?: Boost feature is capped, which can be restrictive for larger purchases.
• Payment Schedule Inflexibility ?: Strict payment intervals may not align with all users' cash flows.

Price:

? Zilch is free to use, with no interest charges. A small upfront fee is applied only in specific cases where partner stores do not pay the service fee. Users need to be aware of any such fees before activating their card.

Community:

Join a thriving community of savvy spenders who value financial responsibility and freedom. Get involved and start enjoying the benefits of splitting your payments with Zilch:

• Official Zilch Website
• Zilch on YouTube
• Popular YouTubers discussing Zilch: Link (if available)
• Most followed Instagrammer talking about Zilch: Link (if available)
• Zilch on Twitter
• Zilch on Discord (if available)
• Zilch on Facebook
• Zilch on TikTok (if available)
• Zilch Subreddit on Reddit (if available)
• Zilch Fandom Wiki (if available)

Celebrate your freedom to buy now and pay over time with Zilch, where transparency and control go hand in hand.