What is Pay over 12 months?

Pay over 12 months lets you pay for your purchases in 13 instalments made over 12 months. You'll pay 25% upfront, and the rest will be split into equal monthly instalments.

Your purchase total must be at least £75 to use Pay over 12 months. If you apply Rewards and this brings your total below £75, then we'll decline your purchase.

For Pay monthly, 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 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

[You’ll always get lower fees and higher Rewards when you enable your card in the app before checkout. T&Cs apply.]

You can get lower fees for Pay over 6 months by enabling your card in the app first:

You can use Pay over 12 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 fees for Pay over 12 months when you enable your card first:

Yes, you can use Pay over 12 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 12 months purchases – you can Snooze one or more instalments for 8 days so you can delay a payment without affecting your credit score. You can't Snooze an instalment more than once.