What is Pay over 3 months?

Pay over 3 months lets you pay for your purchases in four instalments made over three months, so your payments will look like this:

Your purchase total must be at least £75 to use Pay over 3 months. If you apply Rewards and this brings your total below £75, then we'll decline your purchase.

Your Pay over 3 months fee will be 0% to 5% of your total purchase price when you enable your card – and 6% if you use Zilch Anywhere. You'll never be charged interest – just this variable fee.
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​Let’s look at some examples
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5% fee on a £100 purchase = £5 fee
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5% fee on a £200 purchase = £10 fee
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Spending more? The same fee percentage will apply, but your fee is capped at £40. There’s a handy calculator in the app, too, so you’ll always know what to expect.

You can get lower fees for Pay over 3 months by enabling your card in the app first:

You can use Pay over 3 months for online purchases, just remember, you'll always get lower fees when you enable your card first:

You can also use Zilch Anywhere, which has a 6% fixed fee.

You'll need to add your Zilch card to Apple Wallet, Google Wallet or Samsung Wallet so you can use Tap and Pay.

You'll always get lower fees for Pay over 3 months when you enable your card first:

You can also use Zilch Anywhere, which has a 6% fixed fee.

Yes, you can use Pay over 3 months for Zilch Anywhere purchases you make online or in-store. Your purchase must be at least £75 and you'll pay a 6% fixed fee.

Yes. To add Rewards to your purchase:

Remember, if adding Rewards to your purchase brings the total below the minimum spend of £75, we'll decline your purchase.

Yes, you can still use Snooze for Pay over 3 months purchases – you can Snooze one or more instalments so you can delay a payment without affecting your credit score.