Is Zilch free to use?

When you use Zilch Anywhere, every Pay over 6 weeks purchase is up to £3.50. We'll add this fee to your first instalment. Remember, Pay over 6 weeks has a minimum purchase limit of £10, if you spend less than this, your purchase will be made with Pay now.

For Pay over 3 months, 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 0%–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
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There’s a handy calculator in the app, too, so you’ll always know what to expect.

For Pay over 6 and 12 months, 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 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.