Zilch is a UK-based fintech authorised and regulated by the FCA, with over 5 million customers using its flexible payment solutions across thousands of retailers.
What you need to know about this card
- Flexible credit limits from £50 up to £4,500, subject to status.
- Pay in full, over 6 weeks or over 3 months, depending on the option selected.
- From 14.9% APR representative, with no late fees.
- Virtual credit card available, with optional physical card.
Pros
- Virtual credit card – Use instantly online or in-store via mobile wallet.
- Easiest credit card to get – Fast decisions with a simple eligibility process.
- Credit builder card features – Responsible use can help improve your credit score.
- Instant rewards – Earn up to 5% back when you pay now with selected retailers.
- Flexible payments – Choose how and when you pay, with no jargon or hidden charges.
Cons
- Fees may apply – Some payment plans or retailers may involve fees.
- Not a traditional credit card – No revolving credit like standard credit cards UK.
Is Zilch a good provider?
Compared to Klarna, Zilch offers broader in-store and online usability with a virtual card.
Against Clearpay, Zilch stands out with higher credit limits and credit-building potential.
When compared to PayPal Pay in 3, Zilch provides more payment flexibility and rewards.
Unlike traditional credit cards, Zilch avoids late fees and complex interest structures.
Compared to Monzo Flex, Zilch offers faster approval and simpler onboarding.
How to Apply for Your Zilch Card
If you’re looking to apply for a credit card alternative, use a card credit app, and access flexible payments without long applications, Zilch is worth considering. You can apply in minutes and get a decision almost instantly.