Zilch. Pay your way. 2.2.4

Join our community of over 3 million global customers and experience a new way to shop responsibly with Zilch.

With our flexible payment options, you can pay for your purchases over 6 weeks with 0% APR* loans. Say goodbye to late fees and overdraft fees when you sign up. Alternatively, pay in full and receive up to 5% back in Zilch Rewards instantly.

Shop with ease at thousands of online stores, including big names like Amazon, eBay, Walmart, Target, and Nike. As a Mastercard partner, you can also make purchases at any other online store, with a fee of up to $3 for purchases over $10.

How does paying over 6 weeks work? Simply pay either 25% or 50% of your purchase upfront, along with any applicable fees. The remaining balance will be split into three installments over the course of six weeks.

At Zilch, we prioritize your financial well-being. Stay informed about your spending by tracking all your purchases within our app. You have the flexibility to pay off your balance early at any time and receive notifications for upcoming payments.

Please note that payment options are provided by Zilch USA Inc in partnership with Cross River Bank, a Member FDIC. Loans through Zilch USA Inc. are facilitated by Cross River Bank, a Member FDIC. Your eligibility for these services is subject to an initial evaluation, and your rate will be determined accordingly. Specific options may vary based on your purchase amount and could require a down payment. Additionally, a $3 fee may be applicable based on the selected retailer. Terms and conditions apply.