About
Zilch is a UK pay-later account run by Zilch Technology Limited, a London company authorised by the Financial Conduct Authority (FRN 843421), which launched the service in 2020. Shoppers pay through the Zilch app or a Zilch card accepted wherever Mastercard is, choosing Pay Now with rewards, Pay over 6 weeks (25% up front, then three fortnightly payments) or, subject to eligibility, Pay over 3 months. It charges no interest, though fees may apply, and calls itself ad-subsidised, with retailers funding costs through advertising; repayments are reported to UK credit reference agencies. Zilch said it had over 5.3 million users in December 2025.
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