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Zilch

UK pay-later card and app for spreading purchases over six weeks or three months, with cashback rewards.

Free plan + paidBuy now, pay later apps

Updated · AppBreakup editorial · iOS, Android

Visit ZilchSee 4 alternatives

Is Zilch free?

Free plan, plus paid plans

Paid plans from:
£2.99/month (Extra)
Free plan:
Standard

Checked on Zilch's site Nov 8, 2026

Full Zilch pricing and plans

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About Zilch

Zilch is a London-based payments app that combines buy now, pay later with a Mastercard you can use almost anywhere, rather than only at partner shops. After a quick credit check you get a spending limit and choose, purchase by purchase, whether to pay now and earn cashback rewards, spread the cost over six weeks, or pay over three months. Payments run through a virtual card in Apple Pay or Google Pay, a physical card, or Zilch's own app, which also lists deals and voucher codes. Zilch says it charges no interest or late fees, but fees can apply to some spreads and at some retailers, and the representative APR on its credit agreement is published on its site. The basic Standard plan is free, with paid monthly tiers that add more rewards and extras such as priority support. It is aimed at UK residents aged 18 or over and is authorised by the Financial Conduct Authority.

Best for: UK shoppers who want pay-later options and cashback at any store that takes Mastercard.

Zilch pricing (checked Nov 8, 2026)

Each line is quoted from Zilch's own site, with the page it came from.

Plan or termWhat it saysCheckedSource
Free planStandardNov 8, 2026zilch.com
Paid plans from£2.99/month (Extra)Nov 8, 2026zilch.com
Credit limit£50 to £4,500Nov 8, 2026zilch.com
Full Zilch pricing and cheaper alternatives

Pros and cons

What works

  • Works wherever Mastercard is accepted, not just at partner retailers
  • Cashback rewards when paying in full
  • Choice of six-week or three-month repayment per purchase
  • Free Standard plan

Why people leave

  • Fees may apply outside partner stores
  • Better rewards sit behind paid monthly plans
  • UK only
  • Easy access to credit at any shop can encourage overspending

Zilch vs Klarna, Affirm and PayPal

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeZilchKlarnaAffirmPayPal
PricingFree plan + paidFreeFreeFree plan + paid
Verified price£2.99/month (Extra)———
Free planStandardFree appFree appYes
Open sourceNoNoNoNo
Self-hostableNoNoNoNo
PlatformsiOS, AndroidWeb, iOS, AndroidWeb, iOS, Android, Browser extensionWeb, iOS, Android

Top Zilch alternatives

See all 4
  1. 1Klarna logo
    Klarna

    The biggest BNPL name in the UK, with a wider range of plans and a large shopping app.

    68.8
  2. 2Affirm logo
    Affirm

    Shows the total cost up front and offers longer monthly plans for bigger purchases, beyond Zilch's short pay-in-four model.

    57.5
  3. 3PayPal logo
    PayPal

    Pay in 3 is built into PayPal checkout, so there is no separate card or app to manage.

    52.6
  4. 4Monzo logo
    Monzo

    Monzo Flex lets UK Monzo customers split purchases into instalments straight from their bank app, with no separate BNPL card.

    51.2

Why people left Zilch

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from Zilch, review the app you switched to and tell us why.

Reviews

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Zilch: common questions

What is Zilch?

Zilch: UK pay-later card and app for spreading purchases over six weeks or three months, with cashback rewards. Best for UK shoppers who want pay-later options and cashback at any store that takes Mastercard. Available for iOS and Android.

Is Zilch free?

Zilch has a free plan and paid plans. Free plan: Standard (checked on Zilch's own site).

How much does Zilch cost?

Zilch is free with paid plans. Free plan: Standard; Paid plans from: £2.99/month (Extra); Credit limit: £50 to £4,500. Checked on Zilch's own site, November 2026.

Is Zilch open source?

No, Zilch is not open source.

What platforms does Zilch run on?

Zilch is available for iOS and Android.

What are the best alternatives to Zilch?

The highest-ranked Zilch alternatives right now are Klarna, Affirm and PayPal. See the full ranked list for pricing, platforms and verified facts.

Zilch vs Klarna: what's the difference?

Zilch is free with paid plans; Klarna is free to use. Only Klarna runs on Web.

See all 4 Zilch alternatives