Zilch Reviews 76,476

I signed up to Zilch to attempt to build my credit score and access interest free credit. I do actually really like the Zilch app, with a wide variety of partners from all industries where you can get... See more

I'm new here and just uploaded zilch app. Could u explain why after been approved, but after several attempts to my local supermarkets, and been declined. Is this normal? Also need to use it for bus... See more

Great when you're waiting for pay day but want something before. I find this fantastic for dealing with my finances or lack of in some situations and the rewards for paying instantly are good, I'm thi... See more

With me being only 20 it was hard to find a company who would give me a credit card to help boost my score aswell as keep for emergencies. This company is amazing low apr and u can chose to pay it all... See more

It's an amazing opportunity to pay over 6 weeks. The process is incredibly simple, the app is very clear and I upgraded because I prefer the usage of a card. The overall experience was great, chose... See more

I have to admit I was quietly suspicious about zilch at first but to be honest I have found them absolutely fantastic. Spread the cost of six or so weeks. Amazing. Giving me the opportunity of bei... See more

I’m just out of a 5 year IVA & I was researching my options on how to rebuild my credit score with a controllable way of doing so & I came across Zilch which offers a low credit limit with a pay over... See more

An excellent choice of earning money if you pay in full or a great choice of paying over 6 weeks with a Quarter paid in Advance and the rest pain in 6 weeks, every week until it’s all paid off. I’ve t... See more

I’ve had a really positive experience using the Zilch card. The app is very easy to use, and the sign-up process was quick and straightforward. I like how clear everything is, especially the payment b... See more

Finally an option for me too... Thank you Zilch for letting me enjoy premium products as well, without using all my monthly wages. Oh also cashback options up to 6% what is pretty massive f... See more

Zilch has been a great experience from start to finish. The app is easy to use, payments are quick, and everything is very clear with no hidden surprises. I like how straightforward the buy now, pay l... See more

Been using zilch for about 6 months now. Perfect if you want to go a bit over your spending limit, just split the payment between 6 weeks. There is no interest on purchase, some shops have like 2.50 f... See more

Was a bit dubious at first as I'm old, senile & didn't grow up in the computer age. 🤣🤣 However, followed instructions & made first purchase using Google Wallet, went through fine so I did somthing r... See more

Zilch has offered a lifeline for me during what has been a very challenging time. I am able to execute large purchases which I can comfortably pay back over a suitable time period, sometimes bein... See more

I’m absolutely thrilled with my experience! Splitting payments over 3 months is a game-changer and makes budgeting so easy. I love earning rewards regularly—it really makes spending feel worthwhi... See more

I honestly love ZILCH! They make sure payments are affordable and manageable, which shows how responsible and customer-focused they really are. The app is brilliant — intuitive, smooth, and so easy... See more

Been told to verify ID yet can only use birth certificate and then demanding to pay arrears. I can't do payment until I VERIFY ID their system is woke and their AI bit is completely useless. Savev y... See more

I used to love zilch . However someone fraudulently used my zilch card and they refused to help me. Almost £1000 was spent and they expect me to pay it back and it’s now affecting my credit file! I s... See more

In general, it is working fine and give good rewards for daily transactions. But when I spent on Esso petrol station, It never work even I enabled it every time. The most disappointing part,... See more

Crap, can't use payment method anywhere. I've deleted the app as it's pointless I was getting frustrated. You can put the virtual card in your Google or apple wallet but can't pay for anything whether... See more

Got a text before Xmas day rang up got told I was a liar. Put complaint in had a phonecall it was inaudible more crackle and distortion than words. Spoke to another agent who said there was no call b... See more

I was unable to create an account without any reasons told by the customer service staff. I followed the staff's instruction and tried again after 3 months but it failed also. I don't believe that I c... See more

Absolutely terrible experience. Woke up to a blocked account despite zero missed payments (I use the snooze option). Now I’m trying to clear my debt and the app won't let me. It’s asking me to set up... See more

Trying to register a default but i have called and emailed 15 times now to pay. They wont update my address and it wont let me the app. I just want to pay but noone replies. Please avoid this company... See more

This company is terrible. I had to jump through so many hoops just to change my billing address to make a payment. Then when I emailed in and asked for an alternative route to payment I was told I cou... See more

I am beyond frustrated with Zilch's service. I placed an Amazon order via Zilch on January 11th. Due to multiple delivery delays, I officially cancelled the order on January 19th. Despite providi... See more

To find out you’ve added “auto snooze” an optional feature that charges people extra late fees and you’ve just decided that even thought it’s in settings and optional, you’ve turned it on for all. Peo... See more

Zilch was okay to begin with, but over time I found the small extra charges (especially to extend payment dates or when shopping with certain stores) really started to add up. Those little fees ca... See more

First it took ages too set the card up and when I finally done it I got it working for 1 transaction and it hasn't worked since. I'm been told that you need to have money on your bank card but that de... See more

I was discharged from my DRO last year, Zilch have failed over and over again to update my credit report accurately, report the correct figures and change the date of default which is a breac... See more

Don’t know why I’m receiving emails and text messages‘You’ve missed payments’ I’ve never had an account with Zilch which is now effecting my credit rating as it’s on there! You have my first name corr... See more

After I've worked hard all week, Zilch must have found it hilarious to text me at 06:20 Sunday morning to remind me that my payment was late!! A perfect example of how to lose a customer! Added 31/01... See more

Extremely disappointed – No parcel, but still paying! "I ordered a parcel and used Zilch for payment. Amazon delayed the delivery twice and eventually, it never arrived, so I had to cancel. Despite se... See more

Overly expensive to use, not beneficial at all. Its better to save and use your own money because the interest on this is crazy and I'm not even speaking about late payments just normal average paymen... See more

Weard split bill credit purchases, weard staggered payback setup that's still in the month you bought stuff and miss a payment and they reduce your credit to nothing in a heartbeat, we'll they will fi... See more

I have been using zilch for a couple of years , I use it for everything , Christmas week , I payed my Zilch bills , realised I had one I over looked , I tried to snooze but it wouldn't give me the opt... See more

Be careful when returning something back for a purchase. Zilch does not want to issue refunds or they only give you part refund. They show correct amount to be refunded back in bank account but on you... See more

I am not sure what is the purpose of credit limit given for the card and also for the purchases directly debited from the bank. For rewards sake this card might be useful. Then no need to provide cred... See more

Worst company going ! I will never use this company again. Restricted account because of an error their end . When you complain you always get every person saying the exact same thing " we apologise... See more

Tell us more about your experience Read our Guidelines for Reviewers What made your experience great? What is this company doing well? Remember to be honest, helpful, and constructive!... See more

Great customer service with promptly response. Their weekly instalments option is awesome, with such a small fee, comparing with any other credit cards. Is a good thing treat yourself on the item you... See more