Zilch USA (zilch.com) has a 4.3 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 84% of reviews are 4 stars or higher and 14% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
I was able to purchase what I was looking for easily 😎
Thank you for taking the time to leave a 5-star review! We are happy to hear you are enjoying Zilch and our payment options. Happy Zilching! 💚
Hello, 👋 Thank you for taking the time to leave a 5-star review! We are happy to hear you found fast and easy using Zilch. Happy Zilching. 💚
Excellent, could not have been easier!
Thank you for taking the time to leave a 5-star review! We are happy to hear that the process was easier for you to handle. 💚
It was great and so easy to use I am happy with it so much thank you
Thank you for your 5-stars review! We are happy to hear you are enjoying Zilch and your great experience with us! Happy Zilching 💚️
Thank you for taking the time to leave a 5-star review! We are happy to hear you are enjoying Zilch and your great experience with us! Happy Zilching 💚️
I just made my first purchase with zilch and so far so good. I like that you can buy giftcards on zilch because that is not a option on other pay for 4 services.
Thank you for your review. We are happy that you were able to make your first purchase successfully. We will take your recommendation into account in the future and we hope to improve because we want all of our customers to have 5-star experiences!
Very easy experience. Great experience.
Thank you for taking the time to leave a 5-star review! We are happy to bring you the most easier and greatest experience.
The entire process was smooth for me. From application, app download, ordering to making payments was all very easy to follow/understand. Very similar to other “buy now pay later” providers like Klarna and Afterpay. I had no issues start to finish. I will be using Zilch again.
Thank you so much for taking the time to leave a 5-star review and for choosing Zilch! We are working really hard to provide our customers with the best experience.
The app is easy to navigate, it covers a lot of merchants and convenient.
Thank you for taking the time to leave this review. We are happy to know you found it easy and convenient to use Zilch. 💚
The representative walk me through my purchase. Very helpful in explaining the steps to help me with my first purchase.
Thank you for the 5-star review! We are happy to know you found helpful our help through your purchase. We work hard to give you the best service. Happy Zilching!.
It was very good and helpful and safe very easy
Hello, Thank you for getting in touch.💚 We are glad to read that it was helpful, safety and easy for you using Zilch. We are working everyday to provide you an excellent service and you all feel satisficed. Please do not hesitate to reach out if you need our help. With gratitude,
easy. fast. great customer support.
Thank you for taking the time to leave a 5-stars review! We are happy to know you think our customer support is great! Happy Zilching!
Zilch is super easy to use! If you want to split your purchase across 4 pays at any store then Zilch is your answer😊
Thank you for taking the time to leave a 5-star review! We are happy to know your great experience with us! Happy Zilching
I had the best experience with this company and gave me good updates
Hello!!💚 We are so happy to hear about your excellent experience, we love that you can shop anywhere! Best regards,
Easy and accessible. Convenient for the typical mom trying to make large purchases without the large amount all at once. Thanks
Thank you for taking the time to leave a 5-star review!. We are so happy to be easy and accessible to you
I think this is a good company, Customer service was real adamant about reaching out to me
Thank you for taking the time to leave a 4-star review! We are happy to know your great experience with us! Happy Zilching
I already wrote a detailed complaint which was not acknowledged until maybe the 4th response without even a hint of acknowledgement of wrongdoing or of being empathetic.
We really appreciate your feedback, as we are working hard to provide the best service possible. We're sorry about this inconvenience. A member of the team will contact you privately.
I like the fact I can use the virtual card MOST places. I don’t like the fact the limit stays low even when you pay early and never been late. Can’t make multiple purchases because my purchases are already high ticketed. But thanks for the credit.
Thank you for sharing your feedback with us and the community! We are working hard to improve our service and give you a better customer experience.
It was very simple for my first time trying. Only problem I had was my first payment was half the order. I wasn't aware it would be that
We are happy to know it was easy for you to use Zilch. We are working hard on improving our system. Thank you very much for your feedback. 💚
Horrible! I was refunded by the store over two months and it was just reflected on my Zilch account. Not happy
Thank you for bringing this to our attention. We are sorry you had this experience with Zilch. A member of the team will reach out privately to talk about your case.
101 reviews matching