Zilch App Review: Pay Monthly No Credit Check Shopping with Zilch in the UK

Posted byWendy Amos Posted onApril 19, 2024 Comments0

Zilch App is revolutionizing the way people shop in the UK by offering a pay monthly service without the need for a credit check. This innovative app is changing the game for those who struggle with traditional credit options and are looking for a more flexible way to make purchases. With Zilch, users can shop online and in-store at their favorite retailers and pay in manageable monthly installments, making it easier than ever to afford the things they need.

One of the key advantages of using Zilch App is the simplicity and convenience it provides. By offering a pay monthly option without the need for a credit check, Zilch is opening up new opportunities for those who may have been previously excluded from traditional financing options. Additionally, the app provides users with access to a wide range of retailers, making it easy to find and purchase the products they love. In the upcoming sections, we will delve deeper into the key takeaways of using Zilch App and how it is changing the way people shop in the UK.

key Takeaways

1. Zilch is a mobile app that allows users in the UK to shop now and pay later with no credit check required, giving more people access to online shopping without the need for a traditional credit card.

2. Users can make purchases at over 500 retailers including popular brands like Amazon, H&M, and ASOS, spreading payments over 6 weeks with no interest or fees.

3. The app uses open banking technology to securely connect to users’ bank accounts, analyzing spending patterns and income to determine credit limits and repayment schedules.

4. Zilch aims to promote responsible spending by only approving purchases that users can afford to pay back, encouraging budgeting and financial awareness.

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5. With its transparent pricing and user-friendly interface, Zilch provides a convenient and flexible alternative to traditional credit options for UK consumers seeking to manage their finances more effectively.

Zilch App Review: Can You Shop Pay Monthly with No Credit Check in the UK with Zilch?

What is Zilch App?

Zilch App is a UK-based fintech company that offers a unique buy now, pay later solution with no interest or fees. With Zilch, users can shop online and in-store at partner retailers and split their payments into manageable installments.

How Does Zilch App Work?

Users can download the Zilch App from the App Store or Google Play, create an account, and link their debit card. When making a purchase, users can choose to pay with Zilch at the checkout and select a payment schedule that suits them. Zilch automatically deducts payments from the linked debit card on the agreed-upon dates.

Is There a Credit Check with Zilch?

No, Zilch does not perform a credit check on users. The app uses Open Banking technology to assess affordability based on income and spending habits, allowing more people to access flexible payment options.

Benefits of Using Zilch App

– No credit checks

– Interest-free payments

– Flexible payment schedules

– Access to a wide range of retailers

– Build credit history with responsible borrowing

Drawbacks of Using Zilch App

– Limited partner merchants

– Potential overspending if not used responsibly

– Late payment fees

Customer Reviews of Zilch App

Many users praise Zilch for its easy-to-use interface, transparent payment terms, and helpful customer service. However, some customers have reported issues with delayed payments and technical glitches.

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Is Zilch App Safe and Secure?

Yes, Zilch employs bank-level encryption to protect user data and transactions. The app also offers fraud protection and secure payment processing to ensure the safety of users’ financial information.


Overall, Zilch App provides a convenient and affordable way to shop pay monthly with no credit check in the UK. By offering interest-free installment plans and flexible payment options, Zilch empowers users to make purchases without worrying about accumulating debt.

Guides for Using Zilch App:

1. How to set up your Zilch account and link your debit card

2. Tips for choosing the right payment schedule for your budget

3. Avoiding late payment fees with Zilch

4. Maximizing the benefits of Zilch App for responsible shopping habits

5. Building credit history through on-time payments with Zilch


What is Zilch App?

Zilch App is a pay monthly no credit check shopping app in the UK that allows users to shop at their favorite stores and pay later in manageable installments.

How does Zilch app work?

Users can download the Zilch app, select their desired items from partner stores, and choose the pay later option at checkout. Zilch then pays the store on behalf of the user, and the user repays Zilch in installments.

Is there a credit check required to use Zilch app?

No, Zilch does not require a credit check to use their app. They use their own algorithm to determine a user’s creditworthiness based on various factors.

Are there any fees associated with using Zilch app?

While Zilch does not charge any interest or fees for using their app, there may be late payment fees if a user fails to repay on time.

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Can I shop at any store using Zilch app?

Zilch has partnered with a wide range of retailers, both online and in-store, allowing users to shop at their favorite stores using the app.

Is Zilch app safe to use?

Yes, Zilch takes data security and user privacy seriously, ensuring that all transactions are secure and encrypted.

How can I download Zilch app?

You can download the Zilch app for free from the App Store for iOS devices or the Google Play Store for Android devices.

Can I return items purchased through Zilch?

Yes, you can return items purchased through Zilch app following the store’s return policy. Once the store processes the return, your repayment plan with Zilch will be adjusted accordingly.

What are the benefits of using Zilch app?

Some benefits of using Zilch app include the ability to pay for items in manageable installments, no credit check required, and access to a wide range of retailers.

Is Zilch app available outside the UK?

Currently, Zilch app is only available for users in the UK. They have plans to expand to other countries in the future.

Final Thoughts

In conclusion, Zilch app offers a convenient and flexible way to shop and pay later without the need for a credit check. With their wide range of partner stores and user-friendly interface, Zilch is a great option for those looking for an alternative to traditional credit options.

Whether you’re looking to spread the cost of a big purchase or simply want more control over your spending, Zilch app can provide a solution that works for you. Give it a try and see how easy it is to shop with Zilch in the UK!