Got a big purchase in mind but don’t want to pay upfront? Make it more affordable with Pay over 6 weeks, which lets you spread the cost over (you guessed it) six weeks. FYI, any purchase under £10 will default to Pay now.
How much can I borrow with Pay over 6 weeks?
We like to keep things transparent, so when you sign up, we’ll give you your credit limit, which is available to use for any Pay over 6 weeks purchase. Your credit limit is based on what we think you can comfortably afford to pay back.
We understand that, sometimes, you might need a bit extra, so you can purchase something that's over your credit limit using Zilch Boost. Head here to find out how Boost works.
How does Pay over 6 weeks work?
When you choose to Pay over 6 weeks, you’ll pay the first 25-50% 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% or 50% (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
How do I start using Pay over 6 weeks online?
Here’s how to get started using Pay over 6 weeks when you shop online:
Open the Zilch app
Find a retailer by browsing the app or using the search bar
Select Pay over 6 weeks (you can also choose to Pay now 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 from 25% upfront and we’ll foot the rest – it’s as simple as that
How do I start using Pay over 6 weeks in-store?
Here’s how to get started using Pay over 6 weeks when you shop in-store:
Head to Zilch card settings (under My Account)
Toggle your default payment to Pay over 6 weeks
Head to the checkout and Tap and Pay as usual.