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 dependant on varying factors including the cost of your purchase, how long you’ve been a Zip customer, how many purchases you’ve paid back and 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.