Zilch is slightly different from other buy now pay later services in that you will be given a virtual Zilch card. In order to use it, select your chosen store from the Zilch website or app and then activate the card for that store.
After that, you can order your goods with the Zilch card and pay for them later. The upfront cost for the item comes in at 25% of the overall price tag, with the remaining balance taken every 2 weeks (over a period of 6 weeks) at 25% each time.
Here’s a little example
Say you wanted to buy a pair of Nike Air Force 1 trainers (£85). Your first payment of £21.25 would be taken at the checkout. Then, after 2 weeks, a second payment of £21.25 is due. After 4 weeks, you’ll wave goodbye to another £21.25, and then after 6 weeks, (you guessed it) the final payment of £21.25 is taken.
Summary
First payment: 25% taken at checkout.
Second payment: 25% taken after 2 weeks.
Third payment: 25% taken after 4 weeks.
Fourth and final payment: 25% taken after 6 weeks.