Openpay vs Zilch
A side-by-side comparison of Openpay and Zilch — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | Openpay | Zilch |
|---|---|---|
| TrustScore (/5) | 2.8 | 3.0 |
| Total reviews | 224 | 202 |
| Proof-verified reviews | 97 | 88 |
| App Store rating | 2.8 | 3.0 |
| Google Play rating | 2.9 | 3.1 |
| Region | Global | Global |
Openpay · rating distribution
5
61 · 27%
4
31 · 14%
3
18 · 8%
2
27 · 12%
1
87 · 39%
Zilch · rating distribution
5
38 · 19%
4
45 · 22%
3
38 · 19%
2
44 · 22%
1
37 · 18%
The verdict
Zilch edges ahead with a TrustScore of 3.0/5 versus 2.8/5 for Openpay — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more loans & credit or see alternatives to Openpay and alternatives to Zilch.