Buy now, pay later’ (BNPL) provider Zilch has hit the headlines for encouraging people to spread the cost of groceries and takeaways over six weeks

After seeing alot of people concerned about if a the new buy now pay later platform Zilch is safe we decided to review the service.

We first started seeing the new platform being posted over Facebook and other social media platforms around December, after the company offered a £15 bonus for new signups that had been refered by existing customers.

In return the existing customer also got a £15 bonus people were them questioning is this legit or is it fake, Zilch is rated on trustpilot and has 37,035 reviews with an overall rating of 4.6.

The service offers you a initial credit limit which can be increased if you link the app with your online banking so a full assessment can be done of your spending habits.

After signing up you Zilch allows you to shop online at thousands of stores or Tap and Pay in-store and pay over time. Alternatively, earn cashback when you pay in one.

We signed up using a referer code and instantly earnt a £15 bonus that could be used anywhere online with no obligation to use any credit facilities on the platform.

When ordering through Zilch they take an initial 25% first payment off the final value of the order and then spreads the remaining balance over six weeks, Zilch also adds on a £2.50 handling charge too all transactions for using the service.

Overall after using the service for 6 weeks the payments come out on the date stated and no issues have yet occurred, we would highly recommend this service to anyone who needs quick emergency funds as the fees are very low.

In return the service offers a lower rate than payday loans which in return is safer for the customer as the risk of debt spiraling out of control is minimised.

If you would like to try the service please use the link below to get £10 absolutely free after completing the signup to use on anything from Deliveroo, Just Eat to paying for emergency repairs to your home or vehicle.

https://customers.payzilch.com/signup?inviteCode=ErV347