So Zilch have entered the market, only they currently only offer a virtual card and it works similar to Monzo’s Flex. You pay 25% up front.
I still much prefer the Tymit solution and it’s the right fit for me but it seems everyone is getting into the spread payment space these days!
Zilch has been around for a while I’ve been using them personally since June 2020
They have been around in a while I have a account however I did not bother using it, Does anyone know if they do credit reporting
Doesn’t show on any of my credit reports
I downloaded it again today, it was asking me to sign credit agreement it also read they reports to Experian and Equifax might be a new change:blush: Could you check your equifax please 
No nothing showing on ClearScore
I have a very low limit with Zilch compared to Clearpay. But these both have fortnightly instalments which doesn’t appeal to me as much as Klarna as I get paid monthly.
Same with me I got £100 this July however with others I had more limits I am not really be bothered using it even if it was £1000 I need something that appears on my credit record with use so credit card for me 
I had a look at Zilch a few weeks ago but Tymit are still winning for me.
I didn’t like the 25% up front, I didn’t like the fortnightly payments and I didn’t like being restricted to approved retailers and having to pay an extra fee if making a purchase from a retailer not on the list.
I can see the benefit for some people but not for me.
If anyone has a Zilch account check your Experian report as they recently left a hard ‘enquiry’ search on mine when they are supposed to use soft searches only. I hadn’t even used Zilch recently so it was out of the blue. Some Trustpilot reviewers have complained of the same thing.
For real the clearly stated they perform soft search I guess maybe you had two accounts