- Late repayments can cause you serious money problems. For help, contact the MoneyHelper.
Zilch is a virtual payment card that allows users to shop now and pay later for goods at thousands of online stores.
The best thing about Zilch is that it can be used at almost any online store, regardless of whether or not the retailer is partnered with Zilch itself. The below retailers offer Zilch as a payment method for free, but other online retailers may charge you a fee of £2.50 to use the platform.
Top shops that offer Zilch
Retailer |
Link |
Category |
---|---|---|
Miscellaneous |
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Department store |
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Department store |
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Unisex |
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Beauty |
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Womens |
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Mens |
||
Coast |
Shop Now |
Womens |
Home & garden |
||
Beauty |
||
Home & garden |
||
Miscellaneous |
||
Department store |
||
Beauty |
||
Miscellaneous |
||
Beauty |
||
Shoes |
||
Beauty |
||
Womens |
||
Beauty |
||
Beauty |
||
Department store |
||
Beauty |
||
Miscellaneous |
||
I Saw It First |
Shop Now |
Womens |
Beauty |
||
Gifts |
||
Sports & outdoors |
||
Womens |
||
Beauty |
||
Beauty |
||
Home & garden |
||
Beauty |
||
Womens |
||
Womens |
||
Miscellaneous |
||
Miscellaneous |
||
Womens |
||
Womens |
||
Sports & outdoors |
||
Hobbies & entertainment |
||
Womens |
||
Sports & outdoors |
||
Womens |
||
Womens |
||
Sports & outdoors |
||
Miscellaneous |
||
Mens |
||
Department store |
||
Miscellaneous |
||
Unisex |
||
Home & garden |
||
Hobbies & entertainment |
How does Zilch work?
Zilch is slightly different to other buy now, pay later services (such as Klarna and Clearpay) in that you will be given a virtual Zilch card. In order to use it, select your chosen store on Zilch’s website, activate the card for that store and then start shopping! After that, you can order your goods with the Zilch card and the total cost of your shopping will be divided into four even chunks. At the time of purchase, 25% of the total order cost will come out of your attached payment method. The remaining 75% of the total will be taken from your account every 2 weeks (over a period of 6 weeks) at 25% each time.
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PayPal Pay in 3 review: What is it and how does it work?
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Buy now, pay later (BNPL) statistics
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Payl8r review: Buy now and pay l8r for your online shopping
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Full list of stores that accept Clearpay
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Full list of shops that use Laybuy in the UK
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Klarna review: Flexible payments for online shopping
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Full list of shops that use Klarna
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