Borrow up to £100 before you get paid with Advance
Advance is rolling out gradually. If Advance becomes available on your account, we'll let you know in the Zilch app.
Advance lets eligible customers borrow up to £100 up to seven days before they get paid, with no interest. If eligible, the money is sent directly to your bank account and is repaid on your pay date, plus a £3 transfer fee.
Advance is designed to give you extra flexibility before you get paid.
How much can I borrow with Advance?
How much can I borrow with Advance?
You can borrow up to 20% of your verified income, up to a maximum of £100, with a minimum of £25. Your exact limit depends on your eligibility.
How much does Advance cost?
How much does Advance cost?
Advance does not charge interest, but there is a £3 transfer fee for each Advance.
For example, if you borrow £100 using Advance, you'll repay £103 in total.
How do I get an Advance?
How do I get an Advance?
To access Advance, you'll need to be on either Zilch Extra (£2.99/month) or Zilch Plus (£4.99/month).
If you've just joined a membership:
After you've signed up, tap Continue and you'll be taken straight through the Advance on-screen journey to get your money.
If you're coming back to it later
Open the Zilch app
Go to Account
Tap the Advance tile
Follow the prompts on screen
To check whether you're eligible for Advance, you'll need to connect your bank account using Open Banking and verify your income.
If you're eligible for Advance, you'll be able to transfer your Advance directly to your bank account.
When can I use Advance?
When can I use Advance?
You can use Advance during the seven days before your pay date.
You can only use Advance once per calendar month.
When will I receive my Advance?
When will I receive my Advance?
To get your money
Choose the amount you'd like - from £25 up to your available Advance limit (maximum £100)
Review the total, including the £3 processing fee
Tap Request my money or confirm
Your Advance won't be sent until you've confirmed it on this screen, so do check it through before you close the app.
Once your Advance has been approved, the money is sent directly to your bank account.
Most customers receive their Advance immediately, but it can take up to two hours for the money to arrive.
How do Advance repayments work?
How do Advance repayments work?
Advance repayments are collected in full from your linked debit card on your verified pay date.
Your verified pay date is based on the income information confirmed through Open Banking. You can move your repayment date up to 3 days earlier or later, but only before your Advance is paid out. After that, contact us.
You can also repay your Advance early in the Zilch app.
If your repayment fails, we'll retry the payment on the same day and for the following 3 days. If your Advance becomes overdue, you won't be able to make new credit purchases using Zilch until the balance is repaid. Pay Now will still be available.
Can I Snooze an Advance repayment?
Can I Snooze an Advance repayment?
You can’t manually Snooze an Advance repayment at the moment.
Auto Snooze is on by default. If your repayment fails, we'll try to take a £1 fee - if that succeeds, your repayment moves back 4 days. You can turn it off in the app.
Can I use Advance for anything?
Can I use Advance for anything?
Yes. Once your Advance has been transferred to your bank account, you can use the money however you like.
Why can't I access Advance?
Why can't I access Advance?
You may not be able to access Advance if:
You have not connected your bank account using Open Banking. This needs to be renewed each month.
We have not been able to verify regular income after you connected your bank account.
You are outside the seven-day period before your pay date.
Your Zilch account has been locked for any reason.
You have overdue payments on your Zilch account.
Your calculated Advance limit is below £25.
You must be an active Zilch customer for 90+ days.