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Zilch. Pay your way.

Debt is dead. This app weaponizes spending, turning every purchase into a strategic move for the user.

Finance & Crypto ›

Key Figures

Downloads

1M+

User Rating

4.8/5

Total Ratings

26.8K

Publisher

Zilch Technology Limited

An analytical overview for financially conscious online shoppers.

Key Features of Zilch. Pay your way.

Flexible Payment Options

The app provides users with two core payment methods: either spread purchases over six weeks with 0% APR installments and no late or overdraft fees, or pay in full to instantly receive up to 5% back in Zilch Rewards.

Universal Online Shopping Acceptance

This tool features broad acceptance, functioning as a Mastercard, which allows users to shop at thousands of online stores with zero fees or virtually anywhere else online for a small fee on larger purchases.

FAQ

Frequently Asked Questions

Everything you need to know about Zilch. Pay your way.

What is Zilch and how does it work?

Zilch is an app that allows customers to pay over six weeks with 0% APR loans or pay in full to earn up to 5% back in Zilch Rewards. It facilitates online shopping anywhere Mastercard is accepted.

How does Zilch's "Pay over 6 weeks" option function?

Zilch's "Pay over 6 weeks" feature requires customers to pay 25% or 50% of their purchase upfront, plus any fees. The remaining balance is then split into three installments, making a total of four payments over six weeks.

Are there fees for using Zilch's "Pay over 6 weeks" feature?

Yes, Zilch offers 0% APR loans with zero late fees and zero overdraft fees upon signing up. However, a fee of up to $3 may apply for purchases over $10 when shopping anywhere online outside of the thousands of listed stores.

Can I use Zilch at any online store?

Yes, Zilch can be used at thousands of online stores with zero fees, including Amazon and Nike. As a Mastercard, it also works at absolutely any other online retailer, though a fee may apply for purchases over $10.

Is Zilch a secure payment platform?

Yes, Zilch ensures secure shopping through its virtual Mastercard. The app allows users to track all purchases, pay early, and receive notifications for upcoming payments, promoting responsible spending.

What are Zilch Rewards?

Zilch Rewards are earned when customers opt to pay for their purchases in full. Users can receive up to 5% back instantly in Zilch Rewards by choosing this payment method.

Who provides the loans for Zilch?

Loans through Zilch USA Inc. are provided by Cross River Bank, Member FDIC. Zilch USA Inc. offers payment options in partnership with Cross River Bank, ensuring regulated financial services.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

This initial view presents the prominent Zilch logo and the compelling headline 'Pay Later. Anywhere Online.', highlighting the app's core value proposition for users.

Flexible Payment Unveiled

Description

JOIN OVER 4 MILLION GLOBAL CUSTOMERS. Pay over 6 weeks with 0% APR* loans, zero late fees and zero overdraft fees on signing up. Or pay in full to get up to 5% back in Zilch Rewards instantly. Nice, right? SHOP ANYWHERE ONLINE We have thousands of online stores with zero fees, including Amazon, eBay, Walmart, Target and Nike. And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10. HOW PAY OVER 6 WEEKS WORKS You’ll pay either 25% or 50% of your purchase upfront, plus any fees. Then we’ll split the rest into three installments over six weeks. RESPONSIBLE. WITH A CAPITAL R You’ll always be in the know with your spending. See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments. Payment options are offered by Zilch USA Inc, 1111 Brickell Ave, Suite 1870, Miami, Florida 33131, in partnership with Cross River Bank, Member FDIC. Loans through Zilch USA Inc. are made by Cross River Bank, Member FDIC. Your rate will be 0% APR and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. A $3 fee may apply based on your selected retailer. Terms and conditions apply.