Zilch

Zilch can work like a debit card or a credit card.

When you use Pay over 6 weeks or Pay over 3 months, you'll pay either 25% or 50% of the total at checkout, and the rest over three instalments. So, you can buy something today and pay for it over time, like a credit card.

Make a Pay now purchase and you'll pay 100% of the purchase price at checkout – we'll collect the amount straight away from your<a href="https://help.payzilch.com/en/articles/12604-how-do-i-link-a-debit-card"> linked debit card</a>.

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<b>You might find these Help Centre articles helpful:</b>

<a href="https://help.payzilch.com/en/articles/19241-how-to-use-zilch">How to use Zilch</a>

<a href="https://help.payzilch.com/en/articles/22784-does-zilch-affect-my-credit-score">Does Zilch affect my credit score?</a>

<a href="https://help.payzilch.com/en/articles/166293-is-zilch-good-for-building-my-credit-score">Is Zilch good for building my credit?</a>

- <a href="https://help.payzilch.com/en/articles/19241-how-to-use-zilch">How to use Zilch</a>
- <a href="https://help.payzilch.com/en/articles/22784-does-zilch-affect-my-credit-score">Does Zilch affect my credit score?</a>
- <a href="https://help.payzilch.com/en/articles/166293-is-zilch-good-for-building-my-credit-score">Is Zilch good for building my credit?</a>

Is Zilch a credit card or a debit card?

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How Zilch works like a credit card

How Zilch works like a debit card