Zilch: Smart Credit is a finance app from Zilch Technology Ltd. Pay over time. Earn Rewards. It currently holds a 2.4-star rating on Google Play, based on 26,376 user reviews.
App Details
| Developer | Zilch Technology Ltd |
|---|---|
| Content Rating | Everyone |
| Installs | 1M+ |
| Rating | 2.4 / 5 (26,376 reviews) |
| Updated | Jul 13, 2026 |
Screenshots
About Zilch: Smart Credit
Join over 6 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 6 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.
What makes Zilch: Smart Credit stand out
Zilch: Smart Credit has 1M+ installs to date. That puts it among the more widely adopted apps in its category. Scale at that level usually signals stable performance and a responsive development team. The 2.4-star score is based on 26,376 real reviews. That gives a fair read on real-world performance. Read a sample of reviews before installing if your use case is niche.
Zilch: Smart Credit specifications and compatibility
The build on this page was last refreshed on Jul 13, 2026. Google Play classifies the content as Everyone.
Frequently asked questions
Is Zilch: Smart Credit free to download?
Yes, Zilch: Smart Credit is available as a free download on Google Play and as a free APK on this page. The APK is the official, unmodified build pulled directly from the developer.
How many people have downloaded Zilch: Smart Credit?
Zilch: Smart Credit has been downloaded 1M+ times from Google Play, putting it among the more widely adopted finance apps in its category.
Is the Zilch: Smart Credit APK safe to install?
Yes. The APK on this page is the original, unmodified build from Zilch Technology Ltd, pulled directly from the Google Play Store with no third-party modifications. It carries the Everyone content rating Google assigns on Play.
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