payzilch.com

4.3
4.3 Based on 325 reviews

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Average Rating

4.3

/
5

325 Reviews

5 Star
72%
4 Star
6%
3 Star
4%
2 Star
2%
1 Star
16%

All Reviews

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Review Time

terry jerrard
I actually envy those people who have said it’s easy to use this card.My first attempt was declined,

I actually envy those people who have said it’s easy to use this card.My first attempt was declined,my 2nd,3rd and 4th attempts were seriously frustrating and all failed,if my 5th attempt fails this week,in the bin it goes.Before I’m accused of being at fault I’m not !!!! Have a good day

1
Date of experience: Mar 02, 2026
Lauren Montgomery
Have been trying to link my new debit card for two weeks. Keep getting passed from pillar to post. A

Have been trying to link my new debit card for two weeks. Keep getting passed from pillar to post. All I want to do is pay and they are making it so difficult. Told I can pay on the phone over live chat then the customer service assistant on the phone telling me that’s not true. It’s almost like they don’t want me to pay. Once I’ve got through the hell of paying I’ll be shutting the account!

1
Date of experience: Feb 28, 2026
Jinxy Burnell
Absolute joke I have been Trying to get replys with live chat and never get one also I was never tol

Absolute joke I have been Trying to get replys with live chat and never get one also I was never told I could get fees back whe merchants cancelled a item plus with all the years I have been a zilch customer and I have also made multiple complaints about the way things are handle in a reasonable time frame and they are handled incorrect I shouldn't have to write this review but its the only way i will get heard

1
Date of experience: Feb 27, 2026
Will Smiley
Very Disappointed, I decided to give these guys another go and I have enjoyed the service, but I mis

Very Disappointed, I decided to give these guys another go and I have enjoyed the service, but I missed a instalment 3 days ago and all hell broke lose. Accounts have been blocked stopped, I have been logged out, about 30 attempted transactions. They have got themselves in a right twist and just need to calm down a little bit, its 3 days and I did not notice. I will pay this tomorrow and move on. Very sad your losing a good customer/s like me for silly reasons like this. Sort it out guys, I liked it.

2
Date of experience: Feb 26, 2026
Jonny Stevenson
These reviews are the biggest pile of crap. I've had issues with zilch app and now I'm 900 in debt b

These reviews are the biggest pile of crap.
I've had issues with zilch app and now I'm 900 in debt because and not one bit of help. Every chat I have trying to fix this a new person takes over, I'm on my 12th email now awaiting the 13th person to reply.
On the phone she could barley speak English and just started shouting. All because she asked for my address and WHEN SHE ASK FOR ADRRESS YOU TELL HER ADRRESS and postcode.
I'm getting legal advice atm and going from there but this company is run by.... Whatever. Worst company I've ever dealt with. Customer service is pathetic and just reply by reading of a script. That will change in court.

1
Date of experience: Feb 25, 2026
James Warner
Was able to buy a pair of top quality walking boots and the affordable repayments made it an achieva

Was able to buy a pair of top quality walking boots and the affordable repayments made it an achievable way to do this. I could plan ahead and the text reminders were really friendly and helpful.

5
Date of experience: Feb 21, 2026
sharron mulleague
Helped me pay off my debt with no judgement as understood my situation and then allowed me to start

Helped me pay off my debt with no judgement as understood my situation and then allowed me to start using them again which has helped alot!
A massive thankyou to the company x

5
Date of experience: Feb 20, 2026
Phill Terrill
Hi this was the first time i used zilch it was so easy i had the zilch visa card and i used it in te

Hi this was the first time i used zilch it was so easy i had the zilch visa card and i used it in tesco for some food shopping and it was so easy just put the credit card in the machine and entered the pin no and all done and the best thing is you dont pay anything today you pay every two weeks of three equal payments starting two weeks after purchase absolutley brilliant would highly recomend it.

5
Date of experience: Feb 20, 2026
Tariq Taha
I honestly consider Zilch one of the best services I’ve ever used. What really makes them stand out

I honestly consider Zilch one of the best services I’ve ever used. What really makes them stand out is their global flexibility — you can use the card almost anywhere worldwide, which is a huge advantage compared to many other providers.

One of the biggest benefits is that you can achieve what you want even if you don’t have the full amount upfront. They offer instalment options without needing a credit card, and when you choose the “pay in 4” option, there’s no interest.

I highly recommend Zilch to anyone looking for a flexible, convenient🌟🌟🌟🌟🌟

5
Date of experience: Feb 16, 2026
Rebekah Williams
I am usually really happy with zilch but I changed my phone so went to log back in and it saying it

I am usually really happy with zilch but I changed my phone so went to log back in and it saying it will send me an email to confirm my account the email never comes through and I have spoke to zilch they are emailing me but cannot do the simple thing of attaching the link to the email or signing me back in I cannot see what I am unable to pay back and the customer service isn’t the best really disappointing this has been going on over a week

3
Date of experience: Feb 16, 2026

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