What is Pay over 3 months?

Pay over 3 months lets you pay for your purchases in equal monthly instalments made over your selected time period. For example, if you choose Pay over 3 months your payments will look like this:

Your purchase total must be at least £75 to use Pay monthly. If you apply Rewards and this brings your total below £75, then we'll decline your purchase.

For Pay over 3 fees are calculated at checkout, based on your purchase amount then split across your selected monthly instalment period.

If you enable your card, your fee will be 0%–1.5% per month*.

If you don’t enable your card, or use Zilch Anywhere, your fee will be 1.8% per month*.

*Equivalent fee added to total repayment amount, paid monthly
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There’s a handy calculator in the app, too, so you’ll always know what to expect.

You can get lower fees for Pay monthly by enabling your card in the app first:

You can use Pay over 3 months for online purchases, just remember, you'll always get lower fees when you enable your card first:

You'll need to add your Zilch card to Apple Wallet, Google Wallet or Samsung Wallet so you can use Tap and Pay.

You'll always get lower or no fees for Pay over 3 months when you enable your card first:

Yes, you can use Pay over 3 months for Zilch Anywhere purchases – the fee is 1.8% per month*

*Equivalent fee added to total repayment amount, paid monthly

Yes. To add Rewards to your purchase:

Remember, if adding Rewards to your purchase brings the total below the minimum spend of £75, we'll decline your purchase.

Yes, you can still use Snooze for Pay over 3 months purchases – you can Snooze one or more instalments so you can delay a payment without affecting your credit score.