Zilch is a UK-based fintech company offering a no-interest credit card that allows customers to split purchases over 6 weeks or 3, 6, or 12 months, for use online and in-store.
Each model independently rates Zilch on a 1–5 star scale.
Zilch is a growing UK BNPL fintech regulated by the FCA. Generally well-regarded but faces typical BNPL scrutiny around consumer debt concerns. Mixed customer reviews on support quality.
Zilch is a UK-based fintech offering no-interest credit options. Known for innovation but limited history affects trust score. Regulatory compliance is strong, but trading and support vary. Reputation is mixed.
Zilch is a UK-based fintech offering interest-free credit. It holds an FCA license, indicating regulatory oversight. While its service model is generally well-received, some customer feedback points to occasional support delays and product limitations. Scores reflect a solid but not perfect standing.
UK BNPL-style credit provider offering interest-free short-term instalments via a card for online/in‑store use. Operates in an evolving UK regulatory environment with some compliance efforts. Generally positive user feedback, with complaints on limits, fees, and disputes.
Zilch is an FCA-regulated UK BNPL fintech offering interest-free split payments. Scores reflect limited independent reviews, typical fintech support variability, and sector scrutiny around consumer credit.
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Zilch is rated 3.3 out of 5 (“Average”) on TrustRating, based on 5 independent AI model assessments. The TrustScore combines real customer reviews with AI models that independently assess trust, regulation, support and reputation signals. Always do your own research before making a purchase or investment.
TrustRating doesn't issue scam verdicts — we publish the data instead: Zilch scores 3.3 out of 5 (“Average”) based on 5 independent AI model assessments. Every review passes TrustGuard, our fraud-screening system that blocks fake and paid reviews, so the score reflects genuine customer experience. Read the most recent reviews below before you decide.
Zilch currently has a TrustScore of 3.3 out of 5 (“Average”). The score blends verified customer reviews with assessments from multiple independent AI models, and it updates automatically as new reviews and scans come in. You can read exactly how scores are computed on our methodology page.
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