Chloe todd in GM is flat out on the zilch too, it’s disgusting profiting off financially vulnerable people. I’ll say what I said there.
if anyone is stuck short term do not use zilch for a free £15, it’s not worth it, and it will leave a “soft” footprint on your credit file and affect future credit applications such as mortgages.
On top of that, zilch changed the rules a week ago so that only the referrer(?!) gets the free £15 immediately and the person signing up has to make a purchase first.
lads times are hard for all of us, but if you need to use a credit scheme for a takeaway - do you really need that takeaway?