Is Zilch free to use?

There is a fee of £0-3.50 when you enable your card to use Pay over 6 weeks. If you don't enable your card or if you use Zilch Anywhere, the fee is between £3 and £3.50 for purchases up to £75 and between £4 and £4.50 for purchases over £75. Get lower or zero fees by searching for a store in the app and enabling your card first. To do this:

For Pay monthly, fees are calculated at checkout, based on your purchase amount then split across your selected monthly instalment period – you’ll pay nothing at checkout except the first fee.

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

There’s a handy calculator in the app, too, so you’ll always know what to expect.

You can get lower fees for Pay over 3 months by enabling your card in the app first:

Use Snooze on any Pay over 6 weeks or Pay over 3, 6 and 12 months purchase to delay your instalments. You can delay all your instalments or just your next one.

If your instalment hasn’t been paid by the day after your due date – and Auto Snooze is switched on – we’ll try to collect a small fee. If we collect it successfully, we’ll automatically move your payment date by 4 or 8 days.

Auto Snooze costs:

There are no Pay now fees, and we'll give you up to 5% back in Rewards for every purchase you make. Just remember to search for your store in the app and enable your card first so you can get the most Rewards each time.