Like many, over the past year, my financial situation has changed drastically. Finding ways to pay for my essential needs and wants has proven difficult. Zilch changed that for me.
Zilch is a buy now, pay later service. It allows you to purchase what you want now and pay off your bill in four payments spread across 6 weeks.
- Signing up was easy and free
- You never have to worry about overspending
- Zilch doesn’t charge interest or hidden fees.
- The payment plan is easy and flexible
- The customer service and support is super helpful
Signing Up for Zilch
Easily Manage Your Spend
I never feel like I have to worry about over spending. Zilch only allows you to buy and pay off one purchase at a time. This is so you never have to worry about going into debt with Zilch.
Your ability to make another purchase using Zilch will only be available after you’ve paid off your first purchase. You also can’t pay off your Zilch instalments early. This is for the user’s protection. If someone were to ever get your card information, they won’t be able to buy something, pay off the entire purchase and keep buying with your Zilch card.
The more you use Zilch, the more chance you’ll have of upgrading your account to a higher spend.
Zilch offers Zilch Boost for select users. Zilch Boost is for when you want to make a purchase that’s a bit above your available spend.
When using Zilch Boost, you can make a purchase that is twice the amount of your available spend. Keep in mind that when you buy something with Zilch Boost, anything above your available spend will be added to your first payment and billed to your account at the time of purchase.
No Interest or Hidden Fees
What I like most about Zilch is how they never charge interest and I have never been surprised by hidden fees.
Zilch makes their money from the retailers their customers buy from. It literally costs zilch for their users.
When using Zilch, all I have to think about is paying off my purchase.
How the 4 Payments Over 6 Weeks Works
Great Customer Support and Communication
My biggest question when signing up for Zilch was what would happen if I missed a payment?
Basically, your access to Zilch would be suspended. That said, I never felt like that would happen to me and I really appreciate the amount of communication Zilch has with their users.
The customer service is really helpful. They are always there to help. If you feel as if you won’t be able to make one of your payments, you can always reach out to them before the amount is due and they will help you.
Zilch wants you to always have access to your Zilch account. This is why they always send emails to remind you of any upcoming payments.