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Is Zilch good for building my credit score?
Is Zilch good for building my credit score?

Get the credit you deserve.

Updated this week

Zilch is a responsible lender – that means when you sign up, we'll calculate how much you can comfortably borrow each month. When you make Pay over 6 weeks or Pay over 3 months purchases, these count as credit purchases – pay them back on time or early, and your credit score could improve.

Build your credit score with Zilch

Zilch is here to give you the credit you deserve, with the tools you need to make flexible payments, including:

  • Pay over 6 weeks – split your purchases over four instalments made over six weeks

  • Pay over 3 months – split your purchases over four instalments made over three months

  • Snooze – can't make a payment in time? Get four or eight more days to pay

  • Boost – pay with Zilch even if a purchase is more than your credit limit, just pay the extra as part of your first instalment

  • Zilch Anywhere – pay with Zilch at any shop, online or in-store, including subscriptions and bills like council tax

Does Zilch run a hard credit check?

There's no hard credit check necessary to use Zilch – we only run a soft credit check so we can calculate your monthly affordability.


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