Zilch. Pay your way.
Join 4 million shoppers splitting payments over 6 weeks with 0% interest or earning 5% back instantly. Shop anywhere Mastercard is accepted with zero late fees and total financial freedom.
Publisher
Category
FinanceDownloads
2M+User Rating
Total Ratings
23K+Locales
1Discover the interface used by 2M+ users.
The tools that make this app stand out, trusted by 2M+ users.
Keep your bank balance steady. Split any purchase over 6 weeks with zero APR and zero late fees—the transparent alternative to credit cards.
Maximize your money. Pay in full at checkout to snag up to 5% back in Zilch Rewards, turning your everyday spending into future savings.
Don't be limited by 'partner' stores. Because we use Mastercard, you can use Zilch at Amazon, eBay, Target, and millions of other shops online.
Trusted by 2M+ people who love this app.
"Zilch has completely changed how I manage my budget. I love that I can choose to pay in full and get 5% back in rewards instantly—it is literally like getting a discount on every single purchase I make. It is the smartest tool in my digital wallet."
"Being able to use Zilch anywhere Mastercard is accepted is a total game-changer for me. I can split my larger purchases into four payments with 0% interest and zero stress about late fees. Finally, a finance app that actually feels like it is on my side."
Everything you need to know about Zilch. Pay your way..
Description
Latest Version
2.6.0
Size
99.3 MB
First Released
Mar 31, 2021
Get the flexibility of 0% APR over 6 weeks or the power of 5% back in rewards. Download the app and pay your way, anywhere Mastercard is accepted.
Everything you need to know about Zilch. Pay your way.
Zilch is an app that allows customers to pay over six weeks with 0% APR loans or pay in full to earn up to 5% back in Zilch Rewards. It facilitates online shopping anywhere Mastercard is accepted.
Zilch's "Pay over 6 weeks" feature requires customers to pay 25% or 50% of their purchase upfront, plus any fees. The remaining balance is then split into three installments, making a total of four payments over six weeks.
Yes, Zilch offers 0% APR loans with zero late fees and zero overdraft fees upon signing up. However, a fee of up to $3 may apply for purchases over $10 when shopping anywhere online outside of the thousands of listed stores.
Yes, Zilch can be used at thousands of online stores with zero fees, including Amazon and Nike. As a Mastercard, it also works at absolutely any other online retailer, though a fee may apply for purchases over $10.
Yes, Zilch ensures secure shopping through its virtual Mastercard. The app allows users to track all purchases, pay early, and receive notifications for upcoming payments, promoting responsible spending.
Zilch Rewards are earned when customers opt to pay for their purchases in full. Users can receive up to 5% back instantly in Zilch Rewards by choosing this payment method.
Loans through Zilch USA Inc. are provided by Cross River Bank, Member FDIC. Zilch USA Inc. offers payment options in partnership with Cross River Bank, ensuring regulated financial services.
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