How Does Zilch Work?

How Does Zilch Work?

How Does Zilch Work?

Zilch is a popular Buy Now, Pay Later (BNPL) service that offers a convenient way to divide the cost of your purchases into four installments over six weeks, all without any interest charges. You can utilize Zilch at numerous retailers, both online and brick-and-mortar stores.

To initiate your experience with Zilch, you’ll need to establish an account and connect it to your bank account. Once set up, Zilch will provide you with a virtual Mastercard, which serves as your payment method for making purchases. At the checkout stage, you’ll have the choice to pay using Zilch. The process involves making a 25% initial payment upfront, and the remaining balance is then distributed evenly into three payments, all scheduled over the span of six weeks.

Despite the lack of interest, it’s important to acknowledge that Zilch does impose a modest transaction fee of £2.50 per transaction. However, there’s an option to clear your balance entirely at any time without incurring additional charges.

When you register for Zilch, there’s a soft credit check, but rest assured, this will not impact your credit score. Even individuals with poor credit can utilize Zilch for their purchases.

Here’s a concise rundown of the steps to follow when using Zilch:

  1. Download the Zilch app and create an account.
  2. Link your bank account.
  3. Add your debit card.
  4. Pick the store where you intend to shop.
  5. Enable Zilch at the checkout.
  6. Initiate a 25% down payment.
  7. The remaining balance is split into three equal parts, each payable over a six-week period.

Zilch is a practical method for dividing the expense of your purchases over time. Nonetheless, responsible usage is crucial; only make purchases that you can comfortably afford to repay.

Here are a few essential tips to bear in mind when utilizing Zilch:

  • Ensure that you have the financial capacity to meet the repayment schedule.
  • Limit Zilch usage to smaller purchases.
  • Settle your outstanding balance promptly to avoid any associated fees.
  • Exercise discretion and refrain from using Zilch for unnecessary purchases.
  • Prior to signing up, it’s wise to meticulously review the terms and conditions.


Zilch is a user-friendly Buy Now, Pay Later service that offers the convenience of splitting payments without incurring interest. However, it’s paramount to approach it responsibly and adhere to the suggested guidelines for optimal financial management.

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