Zilch Reviews
(Rated by 5 users)
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Payment Methods
- Credit/Debit Cards
Payment Methods
- Verified Store VERIFIED
- Free shipping: Orders $50+
- In-store pickup: Ready in 2 hours
- 30-Day Returns
- Gap Good Rewards (4 brands)
Payment Methods
- Tops: $23 - $70
- Bottoms: $27 - $70
- Outerwear: $34 - $70
- Kids: $29 - $75
Overall Rating
5.0
Base on 5 Reviews
Ratings by Feature
Ratings by Feature
- Price & Quality5.0
- Return Policy4.5
- Good Value4.3
- Shipping & Delivery4.0
- Customer Service5.0
Recent Customer Reviews (5)
Joyce Romans
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Abusaid Usamov
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Lillian Malloy
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Michelle Templeton
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Joseph Scarberry
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Zilch Pricing
Pay over 6 weeks
£0 - £3
Pay over 3 months
£7.50
Snooze payments
£1.50
Extra Fees at Non-Partner Retailers
£2.50
Payment Methods
Accepted Payment Options:
Prices for items on Zilch.store vary widely depending on the type of clothing and promotions available. Typical price ranges include:
Credit/Debit Cards
Payment Process
- Payments can be made online during the checkout process.
- For Zilch credit card payments, options include online payments, mail, or phone calls, but in-store payments are not accepted.
Refund Information
Refunds for returns will be processed back to the original payment method used during the purchase.
Zilch Pros & Cons
Pros
1
Zero Interest: Zilch offers interest-free payments, allowing you to purchase items without incurring additional interest charges.
2
Flexible Payment Plans: You can split payments into four equal fortnightly installments over six weeks.
3
No Early Repayment Charges: You can make early repayments without incurring any fees.
4
Virtual Card: Zilch provides a virtual Mastercard that can be used anywhere Mastercard is accepted, eliminating the need for a physical card.
5
Rewards Program: Paying in full earns you 2% cashback in Zilch Rewards, which can be used towards future purchases.
6
Wide Acceptance: Zilch is partnered with over 1,000 stores, including major brands like Amazon, Apple, and Nike.
CONS
1
Extra Fees at Non-Partner Retailers: Some retailers may charge an extra fee when using Zilch, typically £2.50.
2
Credit Score Impact: Missed or late payments are reported to credit reference agencies, which can negatively impact your credit score.
3
Limited Payment Plans: Zilch only allows payments to be split into four equal installments over six weeks, which may not be flexible enough for all users.
4
Customer Service Issues: Some users have reported difficulties in contacting Zilch's customer service team when issues arise.
Zilch Features and Benefits
Features
Zero Interest
Offers interest-free payments, allowing users to purchase items without incurring additional interest charges.
Flexible Payment Plans
Split payments into four equal fortnightly installments over six weeks.
No Early Repayment Charges
Make early repayments without incurring any fees.
Virtual Card
Provides a virtual Mastercard usable anywhere Mastercard is accepted, eliminating the need for a physical card.
Rewards Program
Earn up to 5% cashback in Zilch Rewards on purchases when paying in full, usable towards future purchases.
Wide Acceptance
Partnered with over 1,000 stores including major brands like Amazon, Apple, and Nike.
Pay in 4
Split payments into four equal installments over six weeks, with first payment at checkout.
Pay in 1
Pay in full with no fees and earn cashback.
Snooze Feature
Delay a payment by four days for a small fee, providing flexibility.
No Hidden Fees
Committed to transparency with no hidden fees or late charges.
Soft Credit Check
Performs a soft credit check that does not affect the user's credit score.
User-Friendly Interface
App provides seamless management to track spending and view upcoming payments.
ASPN
Proprietary network offers personalized savings and deals to enhance shopping experience.
Customer Support
Offers extensive help resources and live chat support.