Editor Reviews

Zilch is this awesome company that lets you buy stuff now and pay for it later. It's like magic! You can split your payments into four parts over six weeks, and the best part is there's no interest or fees. The first payment might be between 25% to 50%, depending on some checks they do. And guess what? You can even use Zilch to "Pay in 1" and get 2% cash back in Zilch rewards. They made Zilch to help you have, do, and be whatever you want, but in a responsible way. Pretty cool, right?

Zilch is all about being responsible with our lending game. We use fancy tech stuff to make sure we only lend you what you can actually afford. And guess what? Zilch won't mess with your precious credit score, so you can chillax. With over two million peeps in our worldwide crew, we're building a pretty cool community.

To use Zilch, all you gotta do is pick the online store you wanna shop at, decide how you wanna pay (either Pay in 4 or Pay in 1 to score a sweet 2% cash back), turn on your card, copy those card deets, and start shopping! Zilch USA Inc. teams up with Cross River Bank, Member FDIC to offer these payment options. And if you need a loan from Zilch USA Inc., it's actually provided by Cross River Bank too, Member FDIC. Oh, and don't worry about interest 'cause your rate will be 0% APR after an eligibility check. Easy peasy!

Zilch is an awesome choice for peeps who wanna buy stuff online without stressin' about interest, fees, or messin' up their credit. With its cool payment solution, Zilch is all about helpin' customers have a blast, do whatever they fancy, and be totally in control.

Features

Where Mastercard is accepted