Editor Reviews

Zilch is an amazing company that allows you to make purchases now and pay for them later, almost like magic! You can divide your payments into four installments over six weeks, and the best part is that there are no interest charges or fees. The initial payment may range from 25% to 50%, depending on certain criteria they evaluate. Additionally, you can utilize Zilch to "Pay in 1" and receive 2% cash back in Zilch rewards. Zilch was created to assist you in achieving your desires responsibly. Isn't that pretty awesome?

At Zilch, we prioritize responsible lending by utilizing advanced technology to ensure that we only provide loans that align with your financial capabilities. The best part? Zilch will not impact your credit score, allowing you to relax. Our global community of over two million members is steadily growing and creating a supportive network.

To use Zilch, simply select the online store where you want to shop, choose your payment method (either Pay in 4 or Pay in 1 for a 2% cash back reward), activate your card, enter the card details, and start shopping! Zilch USA Inc. partners with Cross River Bank, Member FDIC, to provide these payment options. If you need a loan from Zilch USA Inc., it is also facilitated by Cross River Bank, Member FDIC. And don't worry about interest because your rate will be 0% APR after a qualification check. It's easy and straightforward!

Zilch is a great option for people who want to shop online without worrying about interest, fees, or damaging their credit. With its convenient payment method, Zilch focuses on assisting customers in enjoying themselves, purchasing what they desire, and maintaining full control.

Features

Where Mastercard is accepted