United Kingdom (UK)
Zilch is one of the fastest growing Buy Now Pay Later (BNPL) providers in the UK, with a unique over-the-top (OTT) offering that puts customers first, always. As one of the only fully FCA regulated BNPL providers in the UK they enable customers to shop where they like, whenever they like, thanks to its OTT platform and one-of-a-kind partnership with Mastercard.
Zilch provides a transparent and customer-centric credit alternative, with responsibility and consumer financial wellness at its core. By using a combination of Open Banking Technology and soft credit checks, Zilch has a real-time view and understanding of consumers’ affordability profile and is able to give accurate recommendations of what they can afford to borrow. This personalised approach to lending reduces the risk of over-indebtedness and encourages responsible consumer spending habits. Over the last two years, the company have raised over $200 million now at a valuation over $500m.