Pay monthly: everything you need to know

For a £300 Pay monthly purchase over 3 months with 25% upfront:

For a £300 Pay monthly purchase over 6 months with 25% upfront:

For a £600 Pay monthly purchase over 12 months with 25% upfront:

The minimum purchase amount for all Pay monthly terms (3, 6 and 12 months) is £75.

If applying Rewards reduces your final purchase total below the minimum purchase amount, the Pay monthly option will not be available for that purchase.

Pay monthly purchases include a monthly fee.

The monthly fee is a percentage of your total purchase amount, applied each month for the duration of your repayment term. For example, a 1.5% monthly fee on a £300 purchase means 1.5% of £300 (£4.50) is added to each monthly instalment.

Your Pay monthly fee is calculated at checkout based on:

You’ll always see your Pay monthly repayment amount, monthly fee and total repayment amount before confirming your purchase.

If you search for your store in the Zilch app and enable your Zilch card before paying with a participating retailer:

If you use Zilch Anywhere, or complete your purchase without enabling your Zilch card first:

The monthly fee is added to your total repayment amount and paid as part of your monthly instalments.

You may be able to get lower Pay monthly fees and higher Rewards by enabling your Zilch card in the app before checkout.

To enable your Zilch card before using Pay monthly:

To use Pay monthly for an online purchase:

Before using Pay monthly in-store, add your Zilch card to your digital wallet:

Then:

Zilch Anywhere lets you use Zilch at any retailer, even if they aren't a participating Zilch partner. Instead of enabling your Zilch card through a specific store in the app, you use your Zilch card directly at checkout. You can use Pay monthly with Zilch Anywhere for online and in-store purchases.

If you use Pay monthly through Zilch Anywhere, or do not enable your Zilch card before checkout, a higher monthly fee may apply.

You can use Rewards with eligible Pay monthly purchases.

To use Rewards with Pay monthly:

If applying Rewards reduces your final purchase amount below the minimum spend requirement, the Pay monthly option will not be available.

Eligible Pay monthly instalments can be Snoozed by up to 8 days.

A Snooze fee applies each time you Snooze an instalment. See Snooze fees for full details. Each Pay monthly instalment can only be Snoozed once.

If you Snooze a Pay monthly repayment, the full instalment is Snoozed, including any fee amount included within that repayment.

If you’re worried about making a Pay monthly repayment, contact Zilch as early as possible so we can review your situation and discuss available support options.

Free independent support is also available from:

Paying 0% upfront only changes the amount you pay at checkout.

Applicable Pay monthly fees are still included within your repayment plan and total repayment amount.

Yes. Zilch always shows your Pay monthly fees, repayment schedule and total repayment amount before you confirm your purchase.

Pay monthly is only available to eligible customers.

Available Pay monthly options may vary depending on your account status, eligibility and purchase amount.

Yes. You can repay your Pay monthly balance early at any time in the Zilch app.

Yes. Your total Pay monthly fee is agreed at checkout and still applies if you repay your balance early. The fee amount does not reduce if you settle your plan ahead of schedule.