Skip to main content

What is Zilch Up?

Zilch Up is designed to help you build your credit score while spreading the cost of purchases.

With Zilch Up, you can:

  • Get a credit limit from £50–£800

  • Build your credit score through regular, on-time payments

  • Pay no interest* and no late fees

  • Pay over 6 weeks with 50% upfront. This reduces to 25% upfront after six months, provided your account is up to date and you've repaid at least 10 Pay over 6 weeks purchases

  • Earn up to 5% in Rewards when you shop online and enable your Zilch card

  • Get 0.5% back in Rewards when you Tap and Pay in-store or use Zilch Anywhere. T&Cs apply

  • Use Snooze* to delay payments (subject to eligibility)

  • Increase your credit limit over time

  • Get Section 75 purchase protection

  • Access dedicated Customer Support

*Fees may apply.



You might find these Help Centre articles useful:

Did this answer your question?