Some Pay over time purchases may include fees. The fees you pay depend on the payment option you choose, the store you're shopping with and how you use Zilch.
You'll always see any applicable fees before confirming a purchase.
Why do some Pay over time purchases have fees?
Some Pay over time purchases may include fees depending on:
The payment option you choose
The store you're shopping with
Whether you enable your Zilch card before checkout
Whether you use Zilch Anywhere
Some stores in the Zilch app offer lower-fee or no-fee Pay over time options – there are thousands of fee-free stores in the app.
How can I get lower or no Pay over time fees?
How can I get lower or no Pay over time fees?
You may be able to get lower or no Pay over time fees by searching for your store in the Zilch app and enabling your Zilch card before checkout.
Enabling your Zilch card allows Zilch to apply any available store-specific pricing and Rewards offers.
To enable your Zilch card:
Open the Zilch app.
Search for your store.
Choose how you want to pay.
Enable your Zilch card before completing your purchase.
Pay over 6 weeks fees
Pay over 6 weeks fees
Pay over 6 weeks fees depend on whether you enable your Zilch card before checkout.
Pay over 6 weeks fees when you enable your Zilch card
If you enable your Zilch card before checkout:
Fees range from £0–£3.50
Pay over 6 weeks fees when you use Zilch Anywhere
If you use Zilch Anywhere or do not enable your Zilch card before checkout:
Purchases up to £75: £3–£3.50 fee
Purchases over £75: £4–£4.50 fee
Pay over 6 weeks minimum purchase amount
Pay over 6 weeks is available for purchases of £10 or more.
If your final purchase total is less than £10, your purchase will be processed as Pay now instead.
Pay monthly fees
Pay monthly fees
Pay monthly fees apply to Pay over 3 months, Pay over 6 months and Pay over 12 months purchases.
Pay monthly fees are calculated at checkout based on:
Your purchase amount
Your repayment term
How you use Zilch
Pay monthly fees are added to the total repayment amount and then spread across your monthly repayments.
Pay monthly fees when you enable your Zilch card
If you enable your Zilch card before checkout:
Pay over 3 months: 0%–1.5% per month*
Pay over 6 months: 1.5% per month*
Pay over 12 months: 1.5% per month*
Pay monthly fees when you use Zilch Anywhere
If you use Zilch Anywhere or do not enable your Zilch card before checkout:
Pay over 3 months: 1.8% per month*
Pay over 6 months: 1.8% per month*
Pay over 12 months: 1.8% per month*
*Equivalent fee added to the total repayment amount and paid monthly.
Before confirming a Pay monthly purchase, you'll always see:
Your upfront payment amount
Your repayment schedule
Your monthly repayments
Your total repayment amount
There is also a repayment calculator in the Zilch app so you can review your repayments before completing your purchase.
Read more on Pay monthly here.
What is Zilch Anywhere?
What is Zilch Anywhere?
Zilch Anywhere lets you shop at stores that do not appear in the Zilch app.
If you use Zilch Anywhere, higher Pay over time fees may apply.
You'll always see any applicable fees before confirming a purchase.
Does Pay now have fees?
Does Pay now have fees?
No. Pay now purchases do not have fees.