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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Zilch's app


Mobile Application

Mobile app features

Zilch has a convenient mobile application for Google Play and App Store that allows you to easily manage your payments and make purchases buy now, pay later (BNPL) for free in more than 1,000 online shops. With the app, you can add a virtual Zilch Mastercard in Google Pay or Apple Pay and shop anywhere else for a small fee.

Zilch on Google Play

Download app

Visit the company website and follow the link or open Google Play on your device, browse through apps to find the Zilch app under Zilch Technology Ltd developer, and tap or click Install.

Zilch on App Store

Download app

Visit the company website and follow the link or open the App Store on your device, browse through Apps to find the Zilch app under Zilch Technology Ltd developer, and tap or click the "Get" button.

How to delete an app

To delete the application, you need to locate it on your device and hold the icon. Once you see the X sign or the "Delete" button, click it. The app will be deleted from your phone.


How does the Zilch app work?

Zilch provides you with a virtual Mastercard, which you can use to make acquisitions. With the app, you can browse and shop stores, manage payments, and do other things in one place.

Can you use Zilch on Google Pay?

You can add the Zilch card to Google Pay. Launch the app and select Settings. Go to "My Cards." Below your Zilch card, you'll see the option to add your card to your wallet.

Can I add a Zilch card to Apple Pay?

Yes, you can add the Zilch card to Apple Pay. Go to the app and open Settings. Choose "My Cards." You'll find the option to add your Zilch card to your Apple wallet below your card.

What to focus on before applying for a loan with Zilch

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Zilch and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Zilch’s reviews by September 2022
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