Zilch Downloads & RevenueZilch: Smart Credit · App Store & Google Play
Zilch: Smart Credit gets 1k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Zilch: Smart Credit by Zilch Technology Limited is on App Store and Google Play. Active Users (MAU & DAU), Downloads, rankings, keywords, revenue, and rating totals.
Zilch: Smart Credit update history & changes
Last change · 29 events since 30 Mar 2021Full timeline ↓✏️iOSAdded hidden keywords: natwest✏️AndroidNew screenshots✏️iOSNew screenshots📦iOSUpdated to version 2.64.0📦AndroidNow updating weekly📦iOSUpdated to version 2.63.0📈AndroidNew best rank in the overall chart: #150📦AndroidUpdated to version 2.63.0📈AndroidNew best rank in the overall chart: #156📈iOSNew best rank in the overall chart: #164📈iOSNew best rank in the overall chart: #171🆕AndroidFirst spotted by AppInsider🆕iOSFirst spotted by AppInsider🆕iOSReleased on the App Store🆕AndroidReleased on Google Play
Full timeline · 29 events
- ✏️Zilch: Smart Credit added hidden keywords: natwestiOSwords in the App Store's hidden keyword field (found by probing search)
- ✏️Zilch: Smart Credit: new screenshotsAndroid6 screenshots (was 8) · US
- ✏️Zilch: Smart Credit: new screenshotsiOS6 screenshots (was 8) · GB
- 📦Zilch: Smart Credit updated to version 2.64.0iOSJust a few improvements to keep things running smoothly
- ✏️Zilch: Smart Credit added hidden keywords: klarnaiOSwords in the App Store's hidden keyword field (found by probing search)
- ✏️Zilch: Smart Credit added hidden keywords: asdaiOSwords in the App Store's hidden keyword field (found by probing search)
- 📦Zilch: Smart Credit: now updating weeklyAndroid4 updates in 30 days, after a quiet two months
- ✏️Zilch: Smart Credit: needs a newer iOSiOSiOS 15.6 → iOS 16.4
- 📦Zilch: Smart Credit updated to version 2.63.0iOSWe’ve made it easier to update your address and speedier to open the app.
- 📈Zilch: Smart Credit new best rank in the overall chart: #150AndroidTop Free · All Apps · GB
- ✏️Zilch: Smart Credit added hidden keywords: barclaysiOSwords in the App Store's hidden keyword field (found by probing search)
- 📦Zilch: Smart Credit updated to version 2.63.0AndroidWe’ve made it easier to update your address and speedier to open the app.
- 📈Zilch: Smart Credit new best rank in the overall chart: #156AndroidTop Free · All Apps · GB
- 📈Zilch: Smart Credit new best rank in the overall chart: #164iOSTop Free · All Apps · GB
- ✏️Zilch: Smart Credit: app got biggeriOS120 MB → 136 MB (+14%)
- ✏️Zilch: Smart Credit: needs a newer iOSiOSiOS 15.1 → iOS 15.6
- 📈Zilch: Smart Credit new best rank in the overall chart: #171iOSTop Free · All Apps · GB
- ✏️Zilch: Smart Credit added hidden keywords: paymentiOSwords in the App Store's hidden keyword field (found by probing search)
- 📦Zilch: Smart Credit updated to version 2.62.0iOSWe’ve made a few tweaks behind the scenes to keep things running smoothly.
- 📈Zilch: Smart Credit new best rank in the overall chart: #186iOSTop Free · All Apps · GB
- 📦Zilch: Smart Credit updated to version 2.62.0AndroidWe've made a few tweaks behind the scenes to keep things running smoothly.
- 📈Zilch: Smart Credit new best rank in the overall chart: #171AndroidTop Free · All Apps · GB
- 🆕Zilch: Smart Credit first spotted by AppInsiderAndroidUnited Kingdom
- 🆕Zilch: Smart Credit first spotted by AppInsideriOS#28 in Top Free · Finance · United Kingdom
- 📦Zilch: Smart Credit version 2.61.0iOSNo release notes
- 📦Zilch: Smart Credit updated to version 2.60.4AndroidWe’ve squashed some bugs and made a few tweaks to keep things running smoothly.
- 📦Zilch: Smart Credit version 2.61.0AndroidLooking for a good deal? We’ll now show you more relevant offers when you search in the app.
- 🆕Zilch: Smart Credit released on the App StoreiOS
- 🆕Zilch: Smart Credit released on Google PlayAndroid
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.8 ★
66k ratings, both stores
Measured
Best rank now
#21
App Store · 
Finance Free
Finance FreeMeasured
New ratings a week
670
▼ -6% vs the 2 weeks before (App Store)
Measured
App Store
App details
App ID
1545361238
Publisher
Zilch Technology Limited
Publisher country
United Kingdom
On the store since
Mar 2021
5 years on the store
Minimum OS
iOS 16.4+
iPhone 8 and later
Devices
iPhone · iPad
Content rating
17+
1 content note below
Languages
1
EN
Size
150 MB
Also listed in
Shopping
Content notesInfrequent/Mild Alcohol, Tobacco, or Drug Use or References
Google Play
App details
App ID
com.payzilch.app
Publisher
ZILCH TECHNOLOGY LIMITED
Publisher country
United Kingdom
Content rating
Everyone
Zilch: Smart Credit downloads & installs
Both stores, worldwide. Bands are open; exact numbers are free with an account.
| Store | Downloads / day | Lifetime installs |
|---|---|---|
| App Store | 1k+ | – |
| Google Play | 1k+ | 1M+ Measured |
| Total | 1k+ Confidence | 1M+ Confidence |
How this is calculated
App Store: chart positions and rating growth per country, anchored on its own Android downloads; lifetime from ratings worldwide × installs per rating. Google Play: the daily change in its exact install count. The total adds every store.
Where Zilch: Smart Credit's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Both stores, across every country we track.
| Store | Best rank | Charting in | US Top Free | US Top Grossing |
|---|---|---|---|---|
| App Store | #21 Finance Free | 1 of 30 countries | – | – |
| Google Play | #22 Finance Free | 1 of 23 countries | – | – |
Full chart lists: App Store · Google Play.
Review momentum
ⓘ How we measure thisApp Store
New ratings a week
480
▼ -6% vs the 2 weeks before
Recent ratings
4.9★
vs 4.9★ lifetime
Review momentum
82/100
faster than 94% of Finance apps
Google Play
New ratings a week
191
▼ -12% vs the 2 weeks before
Written reviews a week
under 1
Google Play
Recent ratings
3.6★
vs 2.4★ lifetime
Review momentum
50/100
faster than 59% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
Ratings
Both stores. Store data, measured.
| Store | Rating | Ratings |
|---|---|---|
| App Store | 4.9 ★ | 35k |
| Google Play | 4.8 ★ | 31k 257 written reviews |
| Both stores | 4.8 ★ weighted by ratings | 66k |
About Zilch: Smart Credit
Join over 6 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
Zilch: Smart Credit App Store
Zilch: Smart Credit gets 1k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Zilch: Smart Credit is #21 in Finance Free in United Kingdom and charting in 1 of 30 countries we track.
Updated 9 Nov 2026 · rankings refresh through the day
DeveloperZilch Technology Limited
CategoryFinance
PriceFree
Released
Rating★ 4.9 (35k)
Version2.64.0
Age rating17+
First seen by us 24 Sep 2026
24 Sep 2026Rating
4.9 ★
35k ratings
Measured
Best rank now
#21
Finance FreeMeasured
New ratings a week
480
▼ -6% vs the 2 weeks before
Measured
Zilch: Smart Credit on the App Store
App details
App ID
1545361238
Publisher
Zilch Technology Limited
Publisher country
United Kingdom
On the store since
Mar 2021
5 years on the store
Minimum OS
iOS 16.4+
iPhone 8 and later
Devices
iPhone · iPad
Content rating
17+
1 content note below
Languages
1
EN
Size
150 MB
Also listed in
Shopping
Content notesInfrequent/Mild Alcohol, Tobacco, or Drug Use or References
Zilch: Smart Credit downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Apple publishes no download counts. App Store downloads come from chart positions and daily rating growth per country, calibrated on Google Play install counts; lifetime installs from ratings worldwide × installs per rating. Confidence is the chance the real number is within half to double ours.
Where Zilch: Smart Credit's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| United Kingdom | FinanceFree | #21 |
Apps near Zilch: Smart Credit on the chart
Finance Free, around #21.
Ratings
App Store, worldwide.
Rating
4.9 ★
35k ratings
Measured
Ratings
35k
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
480
▼ -6% vs the 2 weeks before
Recent ratings
4.9★
vs 4.9★ lifetime
Review momentum
82/100
faster than 94% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
About Zilch: Smart Credit
Join over 6 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
Latest updates
2.64.0
Just a few improvements to keep things running smoothly
2.63.0
We’ve made it easier to update your address and speedier to open the app.
2.62.0
We’ve made a few tweaks behind the scenes to keep things running smoothly.
Store changes
What Zilch: Smart Credit changed on its store page: name, icon, screenshots, price, size, languages, requirements.
New screenshots
6 screenshots (was 8)
Needs a newer iOS
iOS 15.6 → iOS 16.4
App got bigger
120 MB → 136 MB (+14%)
Zilch: Smart Credit Android
Zilch: Smart Credit gets 1k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Zilch: Smart Credit is #22 in Finance Free on Google Play in United Kingdom and charting in 1 of 23 countries we track.
Updated 9 Nov 2026 · rankings refresh through the day
DeveloperZilch Technology Ltd
CategoryFinance
PriceFree
Released
Installs1M+
Rating★ 4.8 (31k)
Updated
Content ratingEveryone
Rating
4.8 ★
31k ratings
Measured
Best rank now
#22
Finance FreeMeasured
New ratings a week
191
▼ -12% vs the 2 weeks before
Measured
Zilch: Smart Credit on Google Play
App details
App ID
com.payzilch.app
Publisher
ZILCH TECHNOLOGY LIMITED
Publisher country
United Kingdom
Content rating
Everyone
Zilch: Smart Credit downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Google Play shows an exact lifetime install count; downloads per day are its daily change (measured). When Play hasn't refreshed the count, they come from new ratings and Top Free chart positions. Confidence is the chance the real number is within half to double ours.
Where Zilch: Smart Credit's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks on Google Play
Every top 200 chart it appears in across 23 countries.
| Country | Charts | Rank |
|---|---|---|
| United Kingdom | FinanceFree | #22 |
| United Kingdom | All AppsFree | #182 |
Apps near Zilch: Smart Credit on the chart
Finance Free, around #22.
Ratings
Google Play, worldwide.
Rating
4.8 ★
31k ratings
Measured
Ratings
31k
Measured
Written reviews
257
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
191
▼ -12% vs the 2 weeks before
Written reviews a week
under 1
Google Play
Recent ratings
3.6★
vs 2.4★ lifetime
Review momentum
50/100
faster than 59% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
About Zilch: Smart Credit
Join over 6 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
Featured on Bloomberg, The Telegraph and more.
From 14.99% APR Representative. Credit subject to status. T&Cs apply.
THE SMART WAY TO PAY
Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50.
PAY OVER 3 MONTHS
Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply.
INSTANT REWARDS
Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.
HOW DOES IT WORK?
1. Explore the app to find where you want to shop
2. Can’t find your store? Tap Zilch Anywhere
3. Choose whether you want to Pay now or spread the cost
4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out
BUILD YOUR CREDIT SCORE
Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time.
GROW YOUR CREDIT
Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly.
HELP WHEN YOU NEED IT
Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week.
NEED MORE TIME TO PAY?
If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply.
ABOUT ZILCH
We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 6 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round.
PRIVACY POLICY
Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.
What's new in 2.63.0
We’ve made it easier to update your address and speedier to open the app.
Store changes
What Zilch: Smart Credit changed on its store page: name, icon, screenshots, price, size, languages, requirements.
New screenshots
6 screenshots (was 8)