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What is Pay in 4?
What is Pay in 4?
Find out how to split the cost of pricier purchases with Zilch Pay in 4
Z
Written by Zilch Support
Updated over a week ago

Got a big purchase in mind but don’t want to pay upfront? Make it more affordable with Pay in 4, which lets you spread the cost over six weeks. FYI, any purchase under £10 will default to Pay in 1.

How much can I borrow with Pay in 4?

We like to keep things transparent, so when you sign up, we’ll give you your credit limit. This’ll be based on what we think you can comfortably afford to pay back.

We understand that, sometimes, you might need a bit extra, so we’ll let you spend more than your credit limit using Zilch Boost. Head here to find out how Boost works.

How does Pay in 4 work?

When you choose to Pay in 4*, you’ll pay the first 25% upfront, so make sure you’ve got this covered in your linked debit account. We’ll then take fortnightly repayments of 25% over the next six weeks. So, your repayments will look like this:

  • 25% (plus any fees) at checkout

  • 25% two weeks after the transaction date

  • 25% four weeks after the transaction date

  • 25% six weeks after the transaction date

*APR 18.1%.

Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative example: Representative APR 18.1% (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over six weeks, first payment £62.50, then three payments of £60.00 every two weeks. T&Cs apply

How do I start using Pay in 4 online?

Here’s how to get started using Pay in 4 when you shop online:

  • Open the Zilch app

  • Find a retailer via our storefront or search bar

  • Select Pay in 4 (you can also choose to Pay in 1 and earn while you spend)

  • Click Enable card

  • You’ll be redirected to the retailer to start filling your basket

  • When you’re ready to check out, come back to the Zilch app to copy your card details

  • Check out with the retailer, pay 25% upfront and we’ll foot the rest – it’s as simple as that

How do I start using Pay in 4 in-store?

Here’s how to get started using Pay in 4 when you shop in-store:

  • Add your Zilch card to your digital wallet

  • Head to Zilch card settings (under My Account)

  • Toggle your default payment to Pay in 4

  • Head to the checkout and Tap and Pay as usual.

Need some more pointers?

Watch our short video below for how to start shopping with Zilch.

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