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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 account


How to register an account

Access the company's site. To register, click 'Sign up" on the website or "Get started" on the application. Then, provide your information, including your name, address, phone number, date of birth, and email address. You must agree to the terms and conditions and confirm your account. The company will require you to verify your email address and enter your debit card information. You may also be asked to authenticate your ID. After that, you get an email with your available money amount and can use your account.

How to reset a password

You may go to the company's site and click Sign up and then tap the "Forgot password" button. Enter your email address. You will receive a message with a link and directions on resetting your password.

How to delete an account

To delete an account and, therefore, close the obligations with the company, get in touch with its team through email or call the company number.


How do you use Zilch?

Zilch works with Mastercard to be accepted at 38.7 million shops. Six weeks, four payments, or one lump sum. Customers that pay in full receive discounts and prizes, offering them free credit services.

Can you use Zilch to pay bills?

Using Zilch for direct debited monthly subscription payments could get complicated because further payments will no longer be authorized. So it'll be better to stick to one-off acquisitions only.

How do I see my available balance on Zilch?

On your Zilch homepage, select a store to see how much you can spend there.

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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