Zilch: Spend with benefits

🇺🇸 United States
Zilch Technology Ltd  | 
18
ASO score
Text
25/100
Reviews
0/100
Graphic
28/100
Other
0/100
rating
App Rating
4.3
rating
Votes
1.16M
rating
App Age
4y 9m
rating
Last Update
Dec 12, 2025

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Installs
1.7M
6.3M
-72%
Rating
4.68
4.25
+10%
Number of Ratings (Voted)
585K
9.4M
-94%
App Age
4y 9m
6y 0m
-22%
In-app Purchases Price
$0
$145
Update Frequency
24d
76d
-69%
Title Length
26
26
Short Description Length
27
67
-60%
Description Length
2 903
2 748
+6%
Number of Screenshots
461
848
-46 %
Has Video?
No
0% has videos
Size
0MB
0MB

Category Ranking in United States

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Top Dec 19, 2025 Dec 26, 2025
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Top Dec 19, 2025 Dec 26, 2025
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Top Dec 19, 2025 Dec 26, 2025
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Top Dec 19, 2025 Dec 26, 2025
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Downloads

Downloads Graph
Downloads icon
Total
1.7M
Last month icon
Last month
37K

Text ASO

Title (
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Zilch: Spend with benefits
Short Description (
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Flexible credit and Rewards
Description (
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Join over 5 million customers and spend with benefits. It’s super quick to apply. Download the app now and see how much credit we can offer you – up to £4500. It only takes two minutes and you can start shopping same day. Featured on Bloomberg, The Telegraph and more. From 14.99% APR Representative. Credit subject to status. T&Cs apply. THE SMART WAY TO PAY Need a little help managing your money? You can Pay over 6 weeks at loads of stores with no fees, like eBay and Amazon. All you need to do is enable your card in the app before you shop. Add Zilch to your digital wallet and you can Pay over time anywhere else – online or in-store – for a fee of up to £3.50. PAY OVER 3 MONTHS Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply. INSTANT REWARDS Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive up to 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay. HOW DOES IT WORK? 1. Explore the app to find where you want to shop 2. Can’t find your store? Tap Zilch Anywhere 3. Choose whether you want to Pay now or spread the cost 4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out BUILD YOUR CREDIT SCORE Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time. GROW YOUR CREDIT Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your credit rise. Responsibly. HELP WHEN YOU NEED IT Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week. NEED MORE TIME TO PAY? If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply. ABOUT ZILCH We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has hit over 5 million customers. In that time, we've provided our customers with over £750 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round. PRIVACY POLICY Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.}
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Visual ASO

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Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
4.3
1 162 921 voters

Some Latest Reviews

Zoe-Jane Sutherland
20 Dec, 2025
4
Great app, but one problem is that ads/promos should appear on the app AFTER logging on. When you get an ad when trying to log in, the login screen doesn't come up and I have to restart the app. If you kept the ads until people logged in, this app would be better, it took me 4 times to log in today due to an advent calendar promo you are running. Look, I love this app, it's allowed me to better manage my finances, but if you could fix the login ad issue, I'd be ever so grateful. 😊😊😊
Queen9 Lrae
19 Dec, 2025
1
app + phone up to date, it popped to upgrade for free for 1 month for up to 6% rewards for full purchase or for up to 1% for pay over 6 weeks, tried to load but failed. came out + went back in and it kicked me out, told me to re-enter details, went to email, unable to enter OTP code into Zilch systems, kept saying too many requests try again, only tried it the time it was sent once, tried another 2 times, same issue. unable to get purchase on Amazon. restarted device, same issue.
jamie jones
19 Dec, 2025
5
love the app and the repayments are super easy and clear, this option helps when moneys tight and you need the essentials, having the option to spread the payments is fantastic, good job zilch
Jane Hill
19 Dec, 2025
2
I have had a new phone and can't get back in zilch because it's sending codes to old phone
Gavin
19 Dec, 2025
1
keeps saying too many attempts every time I type in code. I wait 15 mins and try again and always same message of too many attempts.
Mark Smiejkowski
19 Dec, 2025
5
Great customer service and options upgraded to Zilch plus and am so very happy.
Jordan Spratt
19 Dec, 2025
1
changed phone number now can't get on the app to change/update my details can someone help??
Shakil Hussain
18 Dec, 2025
5
very handy zilch and gives the freedom to split the amount.
FATBOYALLSTARS 2.0
14 Dec, 2025
2
it just won't load for the last 3-4 weeks I've updated and reinstalled.

Other

Additional Information
Rating:
4.28
Voted: 1.16M
Google Play Link:
Website:
Email:
Privacy Policy:
Categories: Finance
Size: -
Installs: 1.71M
App Age: 4 years 9 months
Release Date: Mar 30, 2021
Last Update: Dec 12, 2025
Version: 2.40.0
Version history
2.40.0
Dec 12, 2025
2.39.0
Dec 02, 2025
Version history