2018, a year of change. London Fashion Week went fur-free. Beyoncé made history headlining Coachella. Millions tuned in to watch that Royal Wedding. A movie called Black Panther hit #1 and started a movement. And Banksy sold a piece of art for $1.4m – then shredded it.

Launching Zilch, just felt right.

Starting with a small team and a big vision.
The world was changing, people were changing, what people valued as a society was changing, but credit and payments weren’t. They didn’t reflect the customers of today. So Zilch was born putting customers first, front and centre.

Zilch`s gameplan?
The company looked at how its customers lived, what they wanted, needed and cared about. And by binning the bad of traditional credit, the Zilch team created a way to pay that was fair, transparent and easy.