With Zilch, you can make those bigger purchases more comfortably. We’ll give you the option to Pay in 4 over six weeks with zero interest. When you open an account, we’ll give you your credit limit, so you’ll know exactly how much you can spend.
Find out more about your credit limit here.
How does Pay in 4 work?
Pay in 4* lets you spread the cost over time. When you use Pay in 4, you’ll pay 25% (plus any fees) of the total purchase cost when you check out – the final 75% of the payment will be broken into three transactions made fortnightly over six weeks.
Your Pay in 4 breakdown will look like this:
25% (plus any fees) at checkout
25% two weeks after purchase date
25% four weeks after purchase date
25% six weeks after purchase date
You can keep an eye on your upcoming payments by going to the Upcoming tab on the Purchase screen in the Zilch app.
*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
Will I be charged a fee to Pay in 4?
We like to keep fees completely transparent, so you don’t have to worry about any hidden costs. You can use Zilch Pay in 4 with zero fees at thousands of popular stores, including Amazon and eBay. Some stores will charge up to £2.50* for using Pay in 4 but we’ll always tell you about any fees upfront.
*APR 18.1%
Can I Pay in 1?
Absolutely. If you’d rather, you can Pay in 1 and earn Rewards while you shop.