Zilch - Buy now, Pay later

[Oblivion Knight]

I'm somewhat going against my own rules here, but..

I first stumbled upon this around Christmas. My friend posted it on her Facebook profile, and I was struggling to get a loan at the time - a bit weird since I've never missed a repayment - but perhaps because I was renting. It's not quite as good as a loan since you have to repay across 8 weeks, and there's a limit to how much you can borrow.. but it all helps, and if you pay in time there's no interest.

Now of course, you should only borrow what you can afford to pay back and if you're in financial difficulties please seek the appropriate advice. Soft credit checks are carried out if you apply, and missed repayments are reported to Equifax.

If you use my link - we both get £10 credit free, and I can vouch for its legitimacy.

Join Zilch - the best way to pay over time.

Buy now, pay later with zero interest and zero fees. T&C apply.

customers.payzilch.com

 

[Ash]

I will try it out at some point (using your link of course ). I currently use Klarna for my Xbox Series X. I was sort of forced into that though since the only way to get the Series X was through the All Access programme which is a monthly payment thing. No interest though which is good.

 

[jamesyfx]

I use Klarna a fair bit as it seems a no-brainier to split payments with zero interest. I may check this out but right now I'm good.

 

[Oblivion Knight]

I've never heard of Klarna, guess I'm a bit out of the loop..!

My credit limit on Zilch has recently been upped to just under £500.. Not that I anticipate making that much of a spend any time soon.

 

[Ash]

I use Klarna a fair bit as it seems a no-brainier to split payments with zero interest. I may check this out but right now I'm good.

Definitely. As long as you can control your spending and you know you can afford the payments when they do come up, it just makes way more sense to do it.