6 Best Apps Like Zilch to Buy Now Pay Later [UK 2022]

Buy now and pay later shopping post pay apps

Apps Like Zilch – With several retailers partnering with buy now, pay later services, it became easier for people to make purchases now and pay overtime. 

Zilch is such a BNPL service in the UK that let you buy now, and pay later, with the first payment at the checkout and the remaining payments due every two weeks over 6 weeks.  

It doesn’t charge any interest and even if you miss a payment, you’ll get emails to remind you of any overdue amounts. However, if you’re still not able to settle your payments after 14 days, they might end your eligibility. 

Even though Zilch is an amazing BNPL site, you might want to look for its alternatives. So, here is a list of the apps like Zilch.

Apps like Zilch

With sites like Zilch, you get what you want today and split your payments over time. To prevent you from downloading any random sites or apps, we have curated a list of the top sites like Zilch.

Klarna 

klarna Apps Like Zilch

Klarna is one of the top apps like Zilch that offers different point-of-sale installment loans for customers. It is partnered with over 200,000 sellers and merchants. 

Klarna’s main aim is to provide an easy payment solution for the eCommerce industry and to make safe and secure payments for both sellers as well as buyers. 

Requirements for Eligibility 

  • At least 18 years old
  • Have positive credit history 
  • Permanent resident of the UK
  • Have a valid mobile number and email address
  • Don’t have a lot of debt

How Does Klarna Work?

When you choose Klarna at the checkout, you can choose from different financing options – Pay in 3 and Pay in 30 days. Pay in 30 let you divide your purchase into 3 payments and Pay in 30 let you to receive your order before and get up to 30 days to pay, interest-free. 

Besides, it offers a traditional loan option at selected retailers with an APR of 18.9% maximum. Moreover, you can track your shipments, view your purchase history, and process returns through the app. 

Spend Limit: Although there isn’t any specific spending limit, your spending limit, and the ability to shop is generally determined by its soft credit check, the information you provide, and your buying history. 

Repayment Terms: While making a purchase, you can choose from one of the three financing options – Pay in 3 or pay in 30 days or a 6 to 36-month loan.

Interest & Fees: Here is a clear breakdown of Klarna’s loan types and terms. 

Loan Type  Terms Interest  Late Fee
Pay in 3 Pay four equal installments due every two weeks  Interest-free No late fee
Pay in 30 Pay nothing for 30 days and then pay the balance in full Interest-free No late fee but if you don’t make the full payment, you might be considered in default
Longer Term Loans  Pay with a loan up to 36 months  Highest APR rate is 18.9%  No late fee

My Argos Card

similar apps like zilch

With the My Argos Card, you can shop at Argos and Habitat with flexible payment plans that give you extra time to pay entirely interest-free. 

From the app, you can view your statements, personalize your credit plans, keep track of your recent transactions, set up payment reminders, and most importantly you can securely log in. 

Requirements for Eligibility 

  • Be over 18 years 
  • Have your bank details 
  • Mention where you’ve lived for the last two years
  • Have been a permanent UK resident for over a year 

How Does My Argos Card Work?

Before you apply for an Argos Card online or in-store, its online application will let you see where you’ll be accepted or not. 

If you are eligible, then you can shop where Argos Card is accepted. After you add what you want to your trolley, you’ll see your credit plan options and application details at the checkout.

Spend Limit: Your Argos Card limit is reviewed regularly and increased or decreased by the people at Argos Card. But if you want to increase your credit limit, you’ll have to navigate to your Argos Card account on your app or on the website. 

Repayment Terms: It has standard 3–6-month credit plans along with special offer plans on certain products. However, based on what you buy, your repayment terms differ. 

Interest & Fees: If you pay in full within your credit plan period, there will be no interest. But if you fail to pay in full, you’ll be charged interest on any balance remaining at the end of the plan.

Clearpay 

Clearpay apps 
best payment apps

Sister to the popular Australian BNPL service, Clearpay is one of the best Zilch alternatives. Clearpay helps you stay on top of your spending and keep track of your budget. 

Clearpay offers only one type of payment plan that divides your total purchase into four equal amounts.  You easily can view your payment schedule and manage your payment plan from the app. 

Requirements for Eligibility 

  • Be at least 18 years old
  • Have a valid email address and phone number 
  • Use a UK bank payment card
  • Be capable of entering a legally binding contract
  • Have a verifiable and valid ID
  • Be living in the UK

How Does Clearpay Work?

All you need to do is to download the app on your device, shop your favorite brands or explore thousands of brands and choose Clearpay as your payment method. 

For online shopping, goods will be shipped to you by the seller after checkout and for in-store shopping, download the Clearpay mobile and follow the in-app instructions. Then, you’ll need to make the first payment upfront and the remaining over six weeks. 

Spend Limit: You can access your estimated spending limit on the Clearpay website or in the Clearpay app. 

Repayment Terms: It’ll automatically take the payments from your bank account at 2-week intervals. You can also reschedule your payments date by shifting them up to five days. 

Interest & Fees: It doesn’t charge interest or any other fees. However, if you miss a payment, you’ll be charged a late fee. For orders under £24, late fees are capped at £6 and for orders over £24, you’ll get time until 11pm the following day time to make the payment. 

4 Apps & Sites Like Clearpay To BNPL! [2022]

Laybuy

LayBuy app for shopping payment

Laybuy is one of the best companies like Zilch in the UK that let you buy now and pay over six weekly installments, entirely interest-free. 

You can use Laybuy both in-store and online. Choose Laybuy as your payment method for online purchase and to pay in-store, simply take your items to checkout and pay with Laybuy. 

Requirements for Eligibility 

  • At least 18 years old
  • A valid ID
  • A valid and verifiable phone number and email address
  • Have a valid credit or debit card
  • A permanent resident of the UK

How Does Laybuy Work?

With Laybuy, you can get your purchase now and split the total cost. All you need to do is to download the Laybuy app, sign in to create an account and shop at your favorite stores. 

You just have to select Laybuy as the payment method after your shopping and select the payment day, with the first payment paid now and the rest later. 

Spend Limit: You can find ‘You Limit’ on your dashboard on the website or app, which means that it is the current limit you are accessible to spend. Typically, depending on your credit score, a credit limit of between £60 to £600 can be agreed. 

Repayment Terms: The first installment will be due at the time of your purchase and the remaining five subsequent installments will be due on the same day in the weeks following. 

Interest & Fees: It doesn’t charge any interest and there is no fee for early payments. However, if you fail to make payment on its due date, you’ll get a further 24 hours to pay. 

Yet, if you fail to pay within 24 hours of the due date, you’ll be charged a default fee of £6.

Openpay

Openpay apps
best payment option in autralia

Openpay is a top buy now pay later app that let you pay in installments. With Openapy, you can shop online and choose it as a payment method at the checkout. 

It is an interest-free BNPL apps in the United Kingdom, which is also available in the United States and Australia.

Requirements for Eligibility 

  • At least 18 years of age
  • A valid email address and phone number
  • Provide a valid photo ID
  • Valid UK passport information 
  • A valid Visa or Mastercard – both debit and credit cards are accepted
  • Other valid government issued photographic information 

How Does Openpay Work?

All you need to do is to sign up for an Openpay account and provide your details. If you are approved, you can shop at your favorite and choose Openpay as your payment method.

Then, pick up among different repayment options during your purchase, with the first instalment paid during your purchase and the rest over 2-6 monthly instalments based on your purchase. 

Spend Limit: Typically, it offers a credit limit of up to $20,000. However, the amount you can spend differs by merchant, and it also depends on your financial circumstances. 

Repayment Terms: Repayments are due every two weeks, which are automatically deducted from your linked credit or debit card.

Interest & Fees: It doesn’t charge any interest. But, if your Nominated Card is a credit card, and you fail to pay your credit card statement on time, they may charge interest.

Also, if you miss a payment, you’ll be charged a late fee which will be capped at a maximum of £15 per plan. 

Payl8r

Payl8r apps

Lastly, we have Payl8r in our list of the top sites like Zilch, which is partnered with over 1,000 retailers both online and in-store. You just need to proceed to the checkout and select Payl8r as your payment method. 

All the payments are interest free, and you can also pay off your repayment early for completely free. 

Requirements for Eligibility 

  • Should be a UK citizen 
  • Have a UK bank account with a credit or debit card and online banking 
  • Be at least 18 years old 

How Does Payl8r Work?

All you need to do is to select Payl8r at the checkout and choose deposit, installment plant, and complete the application process within 60 seconds. 

Some customers might need to submit extra information, which can take a little longer. Once it is done, you’ll products will be shipped. 

Repayment Terms: It offers different payment options to pick up from – 30-day repayment and another option is dividing the cost over 3, 6, 9, or 12 monthly payments. Your monthly repayments are deducted from your debit card. 

Interest & Fees: It doesn’t charge any interest but if you fail to miss a payment, extra charges may be applied. And you can view the total cost of the loan on y our application. 

Generally, the total amount you must pay is the total of the amount of deposit, the credit, and the application fee of £4.95. 

5 Best Buy Now Pay Later Apps in UK [2022]

Summing Up: Apps Like Zilch!

As there are a lot of apps available out there, it can be difficult for you to select one of them. However, all the BNPL apps listed in this article are easy to site, interest-free and have low fees. 

Moreover, several sellers accept these payment solutions, so we can say that your favorite retailers might accept at least one of these BNPL options.

Hopefully, this article may help you find the best BNPL service in the United Kingdom that can meet your current needs and help you stick to your budget. 

Discloure: ViralTalky is supported by its audience, when you buy through links on our site, we may earn a small commission.

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