Zilch Technology Limited 123 Buckingham Palace Road, Westminster SW1W 9SH

I joined Zilch just before Christmas and received a £15 welcome voucher which helped with a last minute gift for my daughter.I have used my credit since and the payment plan is tailored to you and your income and works perfect, I'm paying back a loan without it affecting my bank balance. Will continue to use and recommend to my friends.

I think zilch is a brilliant way for people to buy.To be able to use it anywhere online and in stores is brilliant it allows people like me to afford stuff I want to get my kids at those times of the year like Christmas and birthdays without getting in debt because of interest etc it makes things a lot more stress free it’s simple to use best thing I’ve ever come across would highly recommend to anyone!!

Zilch is an excellent account to have, so easy to use and a life saver at times when you need something but don't have the full amount at that time. It gives you the options to pay installments and if and when you can afford you can pay the rest off. I would highly recommend Zilch.

I have used Zilch quite a few times, they are very good if you need to buy something and don’t have all of the money. You need to pay 25% of an item and then you can pay the rest in instalments every 2 weeks. You can also pay an item straight away through Zilch as long as you have the money in the bank.

I've used Zilch for months now and loved every minute of it. However, last week I noticed that they've slashed the cashback function from 5% to 2% without telling any of their customers. This lack of communication as well as cheapness displayed by zilch is annoying to say the least and as of now I'll be looking for a competitor who offers better rates. Avoid this company as they'll change their terms and conditions without even notifying you.

Love zilch app, easy to use and was very impressed with the free rewards that get offered. My only issue is I've waited for a refund for quite some time but understand that this is mainly down to storr I purchased from. But overall pretty happy

Zilch! What more can I say.. its unbelievable!I use this almost daily for my shopping, the application is so easy to use, it is easy to navigate and i love how i know what payments are due and when!They increased my limit, which was amazing! I can now have 20 purchases in one go, 20! I use Zilch over competitors, as there is no comparison.Very happy! Continued customer here! All my family and friends use Zilch too!

Please please never use this company.I placed an order with a retailer which all went through fine.Zilch charged my card an amount that didn't match the transaction which was the first problem. They then refused to refund it. I have sent countless screen shots of the order being cancelled by the retailer, emails from the retailer showing the order was unsuccessful (the retailer claim they didn't even get the money despite it leaving my bank and still being missing, Zilch hold onto your money!)I have been told I have to wait 10 days for it even to be escalated, this is for nearly £340. By the time they even escalate it, the next payment is due.I have no order from the retailer which is a sofa, I have had to let down someone who I was gifting my old sofa to and I am hundreds of pounds down.Zilch refuse to refund me.I now have to cancel my debit card as I can't risk them charging me the next payment for an item I don't have. They don't care and have gone against several things within the FCA regualtions, they believe their own policies can override everything else in the UK.Please please avoid, I am hundreds of pounds down and may never get it back because of this company.

Absolutely love this App, it really is a great idea and helps me loads when I need to buy something and pay back over time.Plus if you pay back before your due datesZilch ups the amount available to spend.Definitely my fav App. 💓I also got £15 for referring a friend and got it straight away. Would defo recommend 👌

THIS COMPANY IS A DISGRACE!!! SCAM STAY AWAY!! They promise you in with the rewards points £15 which do not work and than steal your data.I have been trying to contact them for weeks for a refund but no answer. There is no customer support and nobody replies to live chat, telephone, emails etc after I left a review a some social media advisor tried to contact me and was pretty useless and still has not resolved the issue.