Lender Details›Zilch Technology Limited

Buy Now Pay LaterBNPL — ad-subsidised payment product

Zilch Technology Limited

Also known as: Zilch

Zilch is a UK-based Buy Now Pay Later provider. Its model is described as ad-subsidised: users may access interest-free credit in exchange for viewing targeted advertising. Zilch issues a virtual Mastercard that can be used at participating and non-participating retailers.

Like other BNPL providers, Zilch allows customers to split purchases into instalments. The credit terms, fees for late payment, and whether payments are reported to credit reference agencies vary by product and should be confirmed by reading the agreement carefully before using the service.

The regulatory status of Zilch and other BNPL products is evolving. Not all BNPL products in the UK are currently FCA-regulated as consumer credit in the traditional sense. Always check the FCA Register and the product terms to understand your consumer protections.

If you have a concern about a missed payment or a complaint, contact Zilch directly through their website. If you are struggling with debt across multiple products, free advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.

Quick summary

Company typeBuy Now Pay Later

Trading namesZilch

FCA Firm Ref (FRN)Not verified

FCA statusNot verified — verify current regulatory status on the FCA Register at register

Companies House no.Not verified

Company statusNot verified

Parent companyNot verified

Official websitehttps://www.zilch.com ↗

Date last checked2026-07-06

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for Zilch Technology Limited

Missed instalment

Refund or merchant dispute

Payment plan

Credit file impact

Complaint

Account query

Before you contact Zilch Technology Limited

1Check the company name and any trading names carefully.
2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
3Check the Companies House record if relevant.
4Do not share payment card or bank details unless you are certain you are dealing with the real company.
5Keep copies of all letters, emails, screenshots and payment records.
6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

?What happens if I miss a payment?
?Will missed payments be reported to credit reference agencies?
?How do refunds work if I return a product?
?Who handles disputes — you or the retailer?
?Can I pause payment while a dispute or refund is being processed?
?What is your formal complaints process?

Contact details

Websitehttps://www.zilch.com ↗

PhoneNot verified

EmailNot verified

Registered addressNot verified

Always use contact details from Zilch Technology Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference NumberNot verified

FCA statusNot verified — verify current regulatory status on the FCA Register at register.fca.org.uk before using this service.

FCA permissions (summary)Not verified

Companies House numberNot verified

Company statusNot verified

Parent companyNot verified

Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm ↗Companies House — company records ↗Financial Ombudsman Service — complaints ↗MoneyHelper — free money guidance ↗StepChange — free debt advice ↗National Debtline — free debt advice ↗Citizens Advice — free advice

What they do

Main products and services

Buy Now Pay Later credit; instalment payments; virtual card product

Trading names and group notes

Not verified — regulatory and company details should be verified on the FCA Register and Companies House before relying on this record.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.4

Not verified reviews

Other review sources

Not verified

Overall public sentiment

Not verified

Review sources

https://uk.trustpilot.com/review/zilch.com ↗

Check whether repayments fit your budget

Use Ask Fin to check whether BNPL repayments fit within your monthly budget before taking on new commitments. General guidance only — not regulated financial advice.

Start with Ask Fin — £4.99/month

General guidance only. Not regulated financial advice.

Related Ask Fin tools

My Monthly BudgetExplore →Financial Leak DetectorExplore →Smart Savings BuilderExplore →

General guidance tools only. Not regulated advice.

Common questions about Zilch Technology Limited

What happens if I miss a payment with Zilch Technology Limited?+

Contact Zilch Technology Limited as soon as you realise you may miss a payment. Some BNPL providers allow payment plan adjustments. Missed payments may affect your credit file depending on your agreement. Check your terms and conditions carefully.

Will a missed payment with Zilch Technology Limited affect my credit file?+

Whether a missed BNPL payment affects your credit file depends on Zilch Technology Limited's credit reporting practices and your specific agreement. Check your terms or ask Zilch Technology Limited directly.

How do refunds work if I return a product bought with Zilch Technology Limited?+

For refunds, contact the retailer in the first instance. The refund process for BNPL products varies by provider and retailer. If you have a dispute, ask Zilch Technology Limited to explain their dispute process in writing.

How do I complain about Zilch Technology Limited?+

Use Zilch Technology Limited's formal complaints process first. If unresolved, you may be able to refer the complaint to the Financial Ombudsman Service. Check whether Zilch Technology Limited is FCA-authorised at register.fca.org.uk.

Is Zilch Technology Limited regulated by the FCA?+

BNPL regulation in the UK is evolving. Some BNPL products are FCA-regulated and some are not, depending on the specific product. Always verify on the FCA Register at register.fca.org.uk and check your agreement for regulatory information.

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideBNPL missed payments — what to doRead →GuideDebt repayment strategiesRead →GuideFree debt help in the UKRead →

Sources and date checks

Source URLs used in preparing this record

https://www.zilch.com ↗https://register.fca.org.uk ↗

Date checked

2026-07-06

Next review due

Periodic review

Other Buy Now Pay Later companies

Klarna Bank AB (UK operations)

Klarna; Klarna Financial Services UK Limited

View details →

Clearpay Finance Limited

Clearpay; Afterpay (international)

View details →

DivideBuy (New Pay Ltd / Deko Technology Ltd)

DivideBuy; Deko; Newpay

View details →

V12 Retail Finance Limited

V12 Retail Finance; V12 Finance

View details →

Spot an error on this page?

If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.

Report an issue with this page →

← Back to all lender details|Free debt help →