Your spending limit is the maximum amount of credit Zip offers you at the time of your purchase. It’s unique to you, and is dependent on varying factors:
- The cost of your purchase
- How long you’ve been a Zip customer
- How many purchases you’ve paid back
- Where you shop
- Your credit check
Your spending limit can be increased if you make your Zip repayments on time, and decreased if you frequently miss them. You can spend above your limit at most Zip retailers by paying the difference yourself at the checkout.