Zilch: digital health score 64/100

As part of the Consumer Lending Digital Audit, we assessed Zilch (zilch.com) alongside 34 UK consumer lenders, using public information only. Zilch earned a digital health score of 64 out of 100, which places it in the bottom third of the sector and 21st of 31. Set against peers, the score lands 4 points below the sector median of 68. Where Zilch does best is measurement: 55 out of 100, a touch above the 54 consumer lender average. The clearest opportunity is mobile speed, at 45 against a 60 average, where a focused fix would lift the overall score most.

Findability scored 78, 1 point below the 79 average, covering showing up and making sense to Google. On mobile speed, Zilch scored 45, below the 60 average (how fast the site feels on a phone). Measurement: 55 out of 100, 1 point above the 54 consumer lender average. That covers whether the firm can see what is working. For accessibility, 86 out of 100 is a little below the 90 average: being usable for everyone, an Equality Act duty. A prioritised, page-by-page view for Zilch is in the free report.