Pay Zilch.

Pay over 6 weeks with 0% APR, zero fees, zero overdraft fees and zero credit impact when you sign up. Or Pay now and get 2% back in Zilch Rewards instantly.

What’s not to love?

Download the App

See anything you like? Zilch it.

We have thousands of online stores with zero fees. And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10.

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Why Pay over 6 weeks?

  • It’s ideal for bigger buys 
  • At checkout
You’ll pay either 25% or 50% plus fees
  • We’ll split the rest into three installments


Why Pay now?.

Get 2% back in Zilch Rewards instantly. Nice, right? Use your Rewards towards your next purchase or save them up for something special.

Join over 3,000,000 Customers Worldwide

We’re getting lots of love.

"This is a great way to do your shopping. Easy to set up. So happy."

Cheryl Chamberlain

"This app is amazing. I love it!"

James Bird

Stay on top of payments.

See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments. 

Tailored to you.

A spend limit that’s tailored to you  and builds over time as you make your scheduled payments.

Security comes first.

We protect your account by using:

  • Multi Factor Verification
  • Data Encryption
  • Payment Authentication

Got more questions?