Frasers Plus vs Zilch: Get Credit & Pay Later Usage & Stats

Buy now. Pay later. Earn rewards Use Frasers Plus to get more of what you love in 3 interest-free instalments. Just like that. And not just that. You'll earn exclusive rewards to spend on the brands and designers you love. Plus it for more when you shop. Credit subject to application and status Representative APR: 29.9% (variable) Plan + pay over 3 months, interest free Spread the cost of what you love across 3 months interest-free. If you need longer, you can choose 6, 12, 24 and 36 months; you'll always know how much interest you'll pay up front. So you're always in control of what you pay, and the number of instalments. Control your minimum payments Say goodbye to the minimum payment trap. Repay your purchases in full or put them into instalments – you decide. Exclusive rewards You'll earn points whenever you plus it and look out for special exclusive points offers too. Exchange your points for rewards and treat yourself to something special! You're in control Using Frasers Plus is simple, and you have complete control of how you spend and repay. The app will show you your future monthly payments, outstanding balance, and any interest charges. You'll get smart alerts so you never miss a payment. And you'll have the flexibility to adjust your instalment plans, with no penalties or fees. See all your transactions in the app, view your points balance or activate your rewards - there's support via chat if you need it too. What else? You can plus it online and instore from your Frasers Plus app and you'll receive a personal credit line subject to approval so you can get more of what you love. You must be over 18 and a resident in the UK to apply. Credit is subject to status. You will need to enable notifications in the mobile app to receive alerts. Frasers Plus is a credit product provided by Frasers Group Financial Services Limited which is authorised and regulated by the Financial Conduct Authority for insurance distribution and consumer credit activities as lender (FRN 311908) and a member of the Finance and Leasing Association. Frasers Group Financial Services Limited is a company registered in England and Wales (No 00718151). Registered address: Express House, Petre Road, Clayton Business Park, Accrington, Lancashire, BB5 5JB. For regulated payment services, Frasers Group Financial Services Limited is a payment agent of Transact Payments Limited, a company authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution. Transact Payments Limited, a company incorporated in Gibraltar (No 108217). Registered address 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA.

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Zilch: Get Credit & Pay Later

Join over 4 million customers and get the credit you deserve. It’s super quick to apply. Download the app now and see how much credit we can offer you, up to £2250. It only takes two minutes and you can start shopping same day. Featured on Bloomberg, The Telegraph and more. From 18.6% APR Representative. Credit subject to status. T&Cs apply. THE SMART WAY TO PAY Need a little help managing your money? You can Pay over 6 weeks at loads of stores with zero fees – such as eBay and Amazon – all you need to do is enable your card in the app before you shop. Add us to your digital wallet and you can pay over time anywhere else – online or in-store – for a fee of up to £3. PAY OVER 3 MONTHS Want to spread the cost a bit further? You can use Zilch to Pay over 3 months (subject to eligibility) anywhere on the app. Fees may apply. INSTANT REWARDS Get up to 5% back in Zilch Rewards when you enable your card to pay in full before checkout. You’ll also receive 0.5% back in Zilch Rewards when you use Zilch Anywhere or if you Tap and Pay in-store. Zilch supports Apple Pay, Google Pay and Samsung Pay. HOW DOES IT WORK? 1. Explore the app to find where you want to shop 2. Can’t find your store? Tap Zilch Anywhere 3. Choose whether you want to Pay now or spread the cost 4. Tap Enable card, then we’ll automatically take you to your chosen store, so you can fill your basket and check out BUILD YOUR CREDIT SCORE Use Zilch regularly and keep up with your repayments and you could see your credit score increase over time. GROW YOUR CREDIT Get a credit limit tailored to you and we’ll give you easy-to-follow steps that could see your limit available credit rise. Responsibly. HELP WHEN YOU NEED IT Our dedicated Customer Support team are available to answer your queries 9am–6pm, seven days a week. NEED MORE TIME TO PAY? If you need some help with your cash flow, just hit Snooze and you’ll get 4 or 8 extra days to pay. Subject to eligibility. Fees may apply. ABOUT ZILCH We’re on a mission to eliminate the cost of consumer credit. For good. Since launching in the UK in September 2020 and in the US in May 2022, Zilch has amassed over 4 million customers. In that time, we have provided our customers with over $440 million in aggregate Rewards and savings on fees and interest. Zilch is Europe’s fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent funding round. THINK WE CAN IMPROVE? We’re always open to improvement, so please let us know what you would like to see next. Send your suggestions to whatif@payzilch.com PRIVACY POLICY Zilch Technology Limited is committed to protecting and respecting your privacy. We only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements. Zilch is using the latest data security measures to protect your personal info and financial data.