Pay over 6 weeks spreads your purchase over four instalments. You'll pay the first 25% or 50% at checkout, and the rest in three instalments you make every two weeks for a total of six weeks.

For example, if you make a £300 purchase and pay 25% at checkout, your payments will look like this:

If you pay 50% at checkout, your payments will look like this:

To make a Pay over 6 purchase online:

Can't find your store in the app? You can always use Zilch Anywhere:

Zilch Anywhere has a fee of £3 for Pay over 6 weeks.

To make a Pay over 6 weeks purchase in-store, you'll need to add your Zilch card to Google Pay, Apple Pay or Samsung Pay so you can use Tap and Pay, then:

Can't find your store in the app? You can always use Zilch Anywhere:

Zilch Anywhere has a fee of £3 for Pay over 6 weeks.

There is a fee of £0-3 to use Pay over 6 weeks. If you use Zilch Anywhere, the fee is £3 every time but you can get lower or zero fees by searching for a store in the app and enabling your card first. To do this:

You can find your Available for Pay over 6 weeks amount in the Zilch app. This amount will go down every time you make a Pay over 6 weeks purchase. You can make as many Pay over 6 weeks purchases as you like until this amount reaches zero – after that, you'll have to wait for your open purchases to be fully paid back (or you can pay instalments early) for it to go back up.

You can check when your Pay over 6 weeks instalments are due at any time in the app:

You can also pay an instalment early or delay a payment with Snooze.