Is Zilch free to use?

There is a fee of £0-3.50 to use Pay over 6 weeks. If you use Zilch Anywhere, the fee is £3.50 every time but you can get lower or zero fees by searching for a store in the app and enabling your card first. To do this:

Your Pay over 3 months fee will be 0% to 5% of your total purchase price when you enable your card – and 6% if you use Zilch Anywhere. You'll never be charged interest – just this variable fee.
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​Let’s look at some examples
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5% fee on a £100 purchase = £5 fee
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5% fee on a £200 purchase = £10 fee
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Spending more? The same fee percentage will apply, but your fee is capped at £40. 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:

You can Snooze some instalments by 4 days for free, and pay a small fee to Snooze your last, or all your remaining instalments. It costs £3 to Snooze any instalments by 8 days (if you're eligible).

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.