Lender
Rating by Finanso®
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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 PayOff

Advertiser Disclosure

Repayment of loan

Every Zilch customer gets their virtual Mastercard, which they can also connect to Google Pay, Apple Pay, or Samsung Pay for in-store mobile payments.

The users can opt to pay for their purchases in four installments, and the repayment schedule is as follows:

  1. The initial down payment of 25% minimum of the acquisition price;

  2. Next 25% of the remaining amount in 14 days after the purchase date;

  3. next 25% of the remaining amount in 28 days after the acquisition date;

  4. In the end, you will have to pay the remaining 25% in 42 days after the purchase date.

In case you opt for one payment, you will have to return the funding in full. You will earn a 2% cash back and can put it towards the future purchase.

Each installment price is taken automatically from your linked debit card for every payment you make.

Early payoff

Customers who make their initial Zilch purchase cannot pay off their second installment early.

Limits on funding amounts

Zilch may adjust your credit limit upwards or downwards automatically, depending on how often you use it. Your chances of increasing your available spending are better if you are a frequent user who meets all payment deadlines and settles all transaction balances on time. On condition that you are a regular user who meets all payment deadlines and pays all transaction balances on time.

FAQ

What happens if I can't pay my Zilch?

Missing payments are reported to credit agencies. It can affect your credit score, ability to borrow money, and mortgage application. Notify Zilch responsibly if you can't pay. Their support team is always available.

How often do you pay back Zilch?

You should pay in 4 installments over six weeks with 0% APR and absolutely no fees - zero sign-up fees, zero late fees, zero interest, and zero overdraft fees. Or you can pay once in full and get 2% cash back in Zilch Rewards.

Can I pay Zilch in full?

Yes, you can pay in full and get 2% cash back in Zilch Rewards.

Offers
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$100-$1,500
Rate
i

Interest rate

0 %
Term
i

Loan term for the financial product

up to 42 days
Apply
Similars products
Finanso
Personal Loans
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 5 years
Apply
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

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.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 3 years
Apply
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