Zilch is known for its payment plans coupled with the virtual card which can be used to spread costs at many retailers.
With several buy now pay later services in the UK, innovating to give users options when using your platform is a big plus for many providers.
That is why in addition to direct usage at checkout, you may be offered optional routes like a virtual card or marketplace to enjoy payment plans.
Zilch
Max. Amount
£1,000
Credit Check
Yes
Type
BNPL
Tip: The platform allows you to access up to £1,000 that can used at several retailers through its virtual card.
Zilch is known for its payment card, which can be used for direct debit transactions or as a credit card when you go with any of its financing plans.
It provides pay-in-month and 6-week options with an alternative Pay Now feature that lets you earn rewards when you make the full payment at checkout.
The platform is known for its virtual card which can be generated in-app for shopping at many of your favourite retailers, including payment plans on Amazon.
However, it is unique compared to conventional cards as you will always need to plan your transaction to spread the payments to avoid direct debit.
Zilch has many features, including the Rewards programme that lets you earn up to 5% of your transaction as cashback when you make the full payment at a go that can be utilised for subsequent transactions or discounts.
The option is not 100% free as there is a £3 fee for usage and the representative APR varies between 18.6% to 25.2% depending on whether you are a Classic user or on the Zilch Up account type.
List of Apps like Zilch to use for Payment Plan
Below are popular alternatives to Zilch that allow you to spread payments:
Klarna
- Virtual Card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 2 months or 30 days
Klarna is one of the popular alternatives to Zilch in the UK with the platform available at several retail checkout pages.
Known for its Pay in 3 which allows you to spread payments up to two months, starting from the purchase date, the platform has become a favourite for many. Pay in 30 days is another interesting option to avoid a down payment.
It is one of the apps like Zilch that also offers a virtual card for payment anywhere it is not directly accepted.
The browser extension makes it a better alternative. You only need to install it and seamlessly checkout when on the site of your favourite merchants.
Alternative to the above, Klarna is well-accepted directly online. If you prefer in-app, it has several retailers listed on its application that can directly be shopped at with payment plan options.
Clearpay
- Virtual Card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 6 weeks
Clearpay is another good app like Zilch which has a good merchant network alongside other amazing features that make it easy to spread payments.
While many of the providers are within the ‘pay in 3’ tagging, it offers an option to repay your instalments in six weeks on a bi-weekly basis.
It also offers a virtual card that can be connected to any digital wallet for in-store checkout and when shopping online at select retailers.
Fair For You
- Payment Card
- Mobile App
- In-app Shopping
- Pay in 52 weeks
The Fair For You shopping platform is another alternative to Zilch, where you can enjoy payment plans on your favourite products.
It is known for its not-for-profit lending facilities, with low monthly rates and consideration for users with poor credit scores to access the catalogue for shopping.
While you can directly buy items on its portal, it also provides a card that can be used at popular high street stores for instalments.
Laybuy
- Virtual Card
- Mobile App
- In-app Shopping
- Interest-free Option
- Pay in 6 weeks
Laybuy is one of the popular spread payment providers, operating similarly to Clearpay in terms of the length of instalments.
You can also find the option at checkout pages of top retailers with an alternative provided through its virtual card that can be generated for payment elsewhere, including in-store purchases.
One feature that makes it one of the apps like Zilch is Boost, allowing you to make payments over your allowed credit limit.
Splitit
- Existing credit cards
- No credit check
- Available at checkout gateways
- Zero-interest and up to 12 months plan
Splitit is a unique offering on this list of apps like Zilch. The spread payment provider is available to most credit card holders provided you have not exhausted your allowable limit.
It does not perform any kind of check hence, you can use it without any fear of it appearing on your financial records.
Splitit is a gateway option and you can utilise it across several online retailers across different shopping categories.
Curve Flex
- Virtual Card
- Mobile App
- Post-split
- Pay in 12 months
Curve is quite different in terms of how it works compared to the other apps like Zilch as the platform is more into credit card services.
Among the features it provides is Flex, an add-on that allows you to convert any existing transaction into a payment plan.
You can also get a virtual card that can be used for transactions online and when shopping at physical locations.
Monzo Flex
- Virtual Card
- Mobile App
- Post-split
- Pay in 12 months
Monzo is known for its feature-rich digital banking experience with its Flex being a service similar to the instalment you enjoy with the Zilch platform.
Just like Curve, you can use the option at the point of purchase or later (provided the transaction is within two weeks).
The virtual card is available within your Monzo app and can be connected to any of Apple Pay and Google Pay for in-store checkout.
Virgin Money Slyce
- Payment Card
- Mobile App
- Post-split
- Pay in 12 months
Slyce is one of the post-transaction apps like Zilch and it comes with the Virgin Money credit card that allows existing users to turn existing purchases into payment plans.
With this option, you can select any expenses on your history and the Slyce option will enable you to spread the cost of payments for it.
Its plan can go up to 12 months, with the rate ranging from 5% to 10% but the 3-month plan has zero interest.
Bip
- Virtual Card
- Mobile App
- Interest-free offer
- Pay in 12 months
The Bip credit card is another good alternative to Zilch and it is from the same company that manages the Newpay buy now pay later service.
Managed through the mobile app, you can add the card to top digital wallets for payments online and when visiting in-store.
The interest rates differ depending on the plan and it can be from 29.9% to 49.9% representative APR.
Yonder
- Virtual Card
- Mobile App
- Earn rewards
- Pay in 12 months
If you enjoy the Zilch Rewards, Yonder is a good alternative as you can earn points on your transactions that can be redeemed for different experiences on the app.
The platform provides both physical and digital cards. Unlike Zilch, Yonder allows direct cash withdrawal from your spending limit.
Many of the apps like Zilch on this list have similar features to it and can be good alternatives if you are looking at trying other providers for buy now pay later transactions.
- Yonder Credit Cards - 18.12.2024
- Apps Like Zilch for Purchase Financing - 30.11.2024
- Best Buy Now Pay Later Catalogues for Shopping - 15.11.2024
