Zilch: Smart Credit

Zilch: Spend with benefits combines flexible credit with rewards to simplify shopping. Apply in minutes, unlock a tailored credit limit, and choose how you pay—now or over time. Pay over 6 weeks at many stores with no fees, or spread purchases over 3 months where eligible. Earn instant rewards (up to 5% back when you pay in full) and get up to 0.5% back when you use Zilch Anywhere or Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay.

Build your credit score with responsible repayments and grow your credit limit. Manage your spending in the app, access 9am–6pm customer support, and rely on Zilch’s privacy protections. With millions of users and a mission to eliminate the cost of consumer credit, Zilch aims to make credit straightforward and rewarding.