Zilch. Pay your way.

Name: Zilch. Pay your way.
Rating: 2.92179 (179 reviews)

Finance

View in App Store

Zilch. Pay your way.

Finance

2.9

179 ratings

Age Rating

Seller

Zilch Technology Limited

View in App Store

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User Reviews for Zilch. Pay your way.

Good enough service

For a person with no credit history, this card is not bad at all. Starts small but keeps you in check with your finances. Would definitely recommend

Caromark, Oct 18, 2022

So far amazing!

So I was approved for 200$ Which honestly I was shocked I got that much.. lol 😂 I’ve used some of it and everything went through with the couple purchases so far. The only issue I have which I’m not sure about is why I can’t pay something off early? Says the item isn’t available to pay off early. Anyways so far everything’s great! Thank you Zilch

CryKlink, Jul 08, 2022

Loving Zilch!!!

I’ve been using Zilch for quite awhile now and have not experienced any issues using it at the stores I’ve wanted to! The transaction goes thru quickly and they take the payments when scheduled. I think they have an amazing selection of stores and like that you can activate the card to use at the store you choose with Zilch Anywhere! This is a great alternative to a credit card and helps you budget (at least for me it does) do your not over spending and don’t have all of those awful finance charges! Thanks Zilch for expanding my purchasing capability by offering your pay in 4 service!! It’s my go to app! If you’ve not tried it I highly recommend that you do!!!!

DaleJr88Fanatic, Feb 17, 2023

Don’t waste your time

They ask for your credit score and then if you’re not qualified they deny you. It’s a risk giving out your personal information especially if you don’t know if your going to be approved or not. Never heard of them and will just stick to the well known pay later apps such as Affirm, Klarna, and Afterpay. I never had a problem being approved for all of them. This is some unknown company that I thought I would see what it’s about. Now I see why they have a three star.

DN198018, Jun 13, 2023

Don’t Even Bother

Don’t bother with this app. Use Zip, Klarna, Afterpay or something else. Anything is better.Firstly they proceeded to constantly steal $1 out of my bank accounted for no apparent reason. I had to email them to get refunds for it. Secondly, I was never able to make a purchase using split pay. I was making a low-cost purchase to try out the app and it didn’t work. No matter what store or website I went to, I could not make a purchase using Zilch.When I contacted them about it, they blamed my bank and said I needed to take it up with them. My bank has never blocked me from making a purchase anywhere in the nearly three years I’ve been banking with them. So that ought to tell you something right there.Something about this app is fishy and fraudulent. I deactivated my account and will not be giving them another try after days of trying to give the app a solid effort.

ehdgzjnudbud, Aug 01, 2022

Ziltch

I love these pay over time apps. It helps me I’m a single mom of two children. It’s nice that I don’t have to pay everything at once. They charge you no fees and I can keep up with my orders. They give you a amount you can split and I understand that. They wanna see how you do by paying back before they give you more to spilt. All in all I like this app. Haven’t been with them long but I haven’t had any issues yet.

fishing80, Aug 08, 2022

Take notes zilch

This app is great. I like it is very easy to use but You need to make it better!Do you need to add to use it whatever you want like a digital card for storesYou need to at least raise the spending amount if you had good payments, I already have a year and a half and I use it a lot and I never filled it up payment and I never see that my spending power get a raiseDo you need to add more stores because there’s a lot of stores that when you’re trying to check out, fails the payment

giidorah, Jan 10, 2023

Bad service don’t recommend

I’ve been using the same card since July . Used their service 3 times no issue .. this last time They took one payment and then decided they don’t take my card … any card for that matter . Leaving you to get your account shut down into collections . It’s a scam . And again I don’t recommend using them . You’ll run into so many issues with them . I hope they get shut down soon!Update- they’ve let me use my card again . Which makes me happy but I won’t be changing my rating until my payment is paid off . We shall see how this goes

jay♍️, Dec 16, 2022

Make sure you read terms overall great app

If you looking for something to help you out with sticking to your budget this is a app you should have cloths ,shoes even door dash and much more. I’m happy this app allows me to purchase stuff I want without the gap in my budget I can remain on budget and still get what I want and also what I need. Make sure you understand that on certain accounts you can not make the first two payments early it’ll save you a lot of time sending messages to customer service.

Savage212, Sep 29, 2022

Convenient

Cool, I can do a purchase less than $35 if I wanted to, you can’t do that with most pay in four apps. They didn’t notify me when my identity was verified but it’s cool, it literally took less than an hour. (i randomly went back on and was able to make a purchase) Hassle free, I recommend.

smfranchi, Jul 25, 2022

Description

JOIN OVER 3 MILLION GLOBAL CUSTOMERS. Pay over 6 weeks with 0% APR* loans, zero late fees and zero overdraft fees on signing up. Or pay in full to get up to 5% back in Zilch Rewards instantly.

Nice, right? SHOP ANYWHERE ONLINE We have thousands of online stores with zero fees, including Amazon, eBay, Walmart, Target and Nike. And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10. HOW PAY OVER 6 WEEKS WORKS You’ll pay either 25% or 50% of your purchase upfront, plus any fees. Then we’ll split the rest into three installments over six weeks. RESPONSIBLE. WITH A CAPITAL R You’ll always be in the know with your spending. See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments. Payment options are offered by Zilch USA Inc, 1111 Brickell Ave, Suite 1870, Miami, Florida 33131, in partnership with Cross River Bank, Member FDIC. Loans through Zilch USA Inc. are made by Cross River Bank, Member FDIC. Your rate will be 0% APR and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. A $3 fee may apply based on your selected retailer. Terms and conditions apply.