Go to Tools

Zilch. Pay your way.

🇺🇸 United States
Zilch Technology Limited  | 
Open on Store
46
ASO score
Text
71/100
Reviews
0/100
Graphic
46/100
Other
0/100
rating
App Rating
3.9
rating
Votes
15.23K
rating
App Age
9y 6m
rating
Last Update
Dec 17, 2025

Compare with Category Top Apps

Top 10
Metrics
Current App
Category Top Average
Difference
Rating
4.9
4.2
+17%
Number of Ratings (Voted)
15K
27.2K
-45%
App Age
9y 5m
8y 6m
+11%
In-app Purchases Price
$0
$234
Update Frequency
22d
453d
-95%
Title Length
20
27
-26%
Subtitle Length
28
25
+12%
Description Length
1 250
1 833
-32%
Number of Screenshots
91
1158
-92 %
Size
102MB
84MB
+22 %

Category Ranking in United States

All
New
Trending Up
Trending Down
Top Dec 22, 2025 Dec 29, 2025
No results were found!
Top Dec 22, 2025 Dec 29, 2025
No results were found!
Top Dec 22, 2025 Dec 29, 2025
No results were found!
Top Dec 22, 2025 Dec 29, 2025
No results were found!

Ranking Keywords in United States

Keywords App Rank
Illustration
Analyze this and other apps using Asolytics tools

Text ASO

Title (
Characters: 20 of 30
)
Zilch. Pay your way.
Subtitle (
Characters: 28 of 30
)
Where Mastercard is accepted
Description (
Characters: 1250 of 4000
)
JOIN OVER 3 MILLION GLOBAL CUSTOMERS. Pay over 6 weeks with 0% APR* loans, zero late fees and zero overdraft fees on signing up. Or pay in full to get up to 5% back in Zilch Rewards instantly. Nice, right? SHOP ANYWHERE ONLINE We have thousands of online stores with zero fees, including Amazon, eBay, Walmart, Target and Nike. And because we’re a Mastercard, you can shop absolutely anywhere else online with a fee of up to $3 for purchases over $10. HOW PAY OVER 6 WEEKS WORKS You’ll pay either 25% or 50% of your purchase upfront, plus any fees. Then we’ll split the rest into three installments over six weeks. RESPONSIBLE. WITH A CAPITAL R You’ll always be in the know with your spending. See all your purchases in the app, pay early whenever you like and always get notified of upcoming payments. Payment options are offered by Zilch USA Inc, 1111 Brickell Ave, Suite 1870, Miami, Florida 33131, in partnership with Cross River Bank, Member FDIC. Loans through Zilch USA Inc. are made by Cross River Bank, Member FDIC. Your rate will be 0% APR and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. A $3 fee may apply based on your selected retailer. Terms and conditions apply.}
Read more

Visual ASO

Screenshots

Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
3.9
15 231 voters

Some Latest Reviews

MrBlonde001
14 Dec, 2025
1
The system they use is designed to get you into more debt than you can afford to pay and end up trapped in a cycle of high cost hidden fees. Much better alternatives available, Klarna or PayPal offer something far better than this. Avoid like the plague.
AMG_76
13 Dec, 2025
5
A very flexible and rewarding card with an easy to use app.
freeludodice
13 Dec, 2025
1
Terrible customer service joined in June 2023! Have the max limit but their services are terrible and I have had over 186 Purchases closed with them. I was part of the Zilch Club! But as a ex loyal customer there service is awful especially from Sharlotte from Customer Service team sending automated scripted responses.
Char-mysterious
12 Dec, 2025
5
Amazing to use Zilch until payday and a great opportunity to spread payments I also recommend friends who have used Zilch and are happy with their service
Shanz73
12 Dec, 2025
5
Zilch has been an absolute god send to us as a family over the last couple of years. Easy to use and so convenient.
Tessa2024
10 Dec, 2025
1
I have almost never written reviews but I must do this to remind other users. Their customer service is absolutely clueless of what they are doing. Their app is not functional. I couldn't get my referral reward then wrong shopping rewards for three times! When I asked their CS, either it is a template answer or they simply tell me they can't help. There are a lot of bugs in the app and they sometimes silently fix them and sometimes ignoring them. In any case they won't come back to you and compensate. I'm very frustrated and have just lodged a complaint with FOS. This app should not exist if it is not working properly. There is much better cashback or payment platforms out there, I feel insulted when their CS repeatedly tell me for weeks that things that i have already done. If Zilch ever read this, please note that I don't use social media.
Dayn standley
05 Dec, 2025
1
Can not get into the account. Was years ago when I set an account up, tried to call and give information, I know all log in details, my name date of birth but cannot remember which address i lived at when I signed up to the account. Also my phone number has changed. Ive been on the phone several times to try solve this but no one can they just tell me to figure out which address i lived at but I can’t possibly find that out, all I need is to change the phone number so the code goes to my email address instead and then I can log in. But no one can help me for some reason it’s impossible to get me into my account. And I know the app is really good because my friends use it so it is really disappointing. If I could give - 1 starts for this problem not being able to be sorted out, I would.
Mikeyoungish
05 Dec, 2025
5
What an i say amazing card that is so flexible to use and accepted shops or online truly great gives £400 credit but thats then nothing
FahadAlMulhim
02 Dec, 2025
1
Great service as long as you’re spending money — but the moment they owe you a refund, everything seems to fall apart. Their system suddenly develops “technical errors,” unexplained delays, and mysterious reasons why your refund never reaches you. My first refund of £175.99 was held for about 3–4 weeks, not including the time I had to wait for it to be processed to my bank. At one point, they even claimed my bank had bounced the refund — something both of my banks confirmed never happened. After all that, they asked me to provide my bank details (sort code, account number, etc.) again… information they already had. Less than a month later, another refund of about £128 is now being delayed because they say they need a transaction number I already provided, followed by yet another “technical error.” The excuses are odd and frankly shady — especially considering that when they finally processed the £384 refund, it was sent as a regular payment. In UK banking, that normally takes minutes. Yet after making me wait weeks, I still had to wait another 3–5 business days. What makes it even worse is that if you were this late paying them, they would immediately apply late fees and other consequences. But when it comes to protecting customers from their behavior, nothing seems to exist. Avoid at all costs. They’re perfectly fine when you’re paying them, but the moment they owe you money, you might as well expect them to ask you to travel to wherever they live to collect cash due to “technical difficulties.”

Other

Additional Information
Rating:
3.85
Voted: 15.23K
App Store Link:
Website: -
Email: -
Privacy Policy:
Categories: Shopping, Finance
Size: 102MB
App Age: 9 years 6 months
Release Date: Jul 06, 2016
Last Update: Dec 17, 2025
Version: 2.40.0
Version history
2.40.0
Dec 17, 2025
We’ve given the Account section a functional makeover, made our menus easier to navigate and squashed some bugs.
2.39.0
Dec 03, 2025
We’ve made it easier to track your payments and see your Rewards more clearly.
Version history
Ranking
Text ASO
Graphic ASO
Reviews ASO
Other ASO