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.

There is a fee of up to £7.50 to use Pay over 3 months.

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

If you use Zilch Anywhere, the fee is £7.50.

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 for a £7.50 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 for a £7.50 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 £7.50 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.