If you’re not approved by Zip, the below information should help.
I got an error: “Sorry you are not eligible for instalments with this purchase."
All customers are assessed based on information supplied at checkout. We were either unable to verify your identity, or you did not meet our customer assessment guidelines.
But I've used Zip before!
Even previous Zip customers must pass this assessment again with each new Zip order. To increase the likelihood of you being approved, follow these tips.
Does this mean I can't complete my purchase?
No, you will just need to use another payment method other than Zip.
What can I do to be eligible for future orders?
Even if you are not eligible for a purchase right now, you can try Zip again in future - this won't affect your credit score. Responsible purchasing and paying instalments on time will have a positive impact on your future eligibility.
What are your assessment guidelines?
Our approval decisioning process is determined by a number of factors. To protect its integrity and our customers’ privacy, we cannot disclose the specific factors we consider.
It's unfair that I am not eligible, I want you to override the decision.
As a responsible lender, it's important we make lending decisions that are fair on our customers. We use information from a number of third parties to determine eligibility; agents do not have any input in this process and cannot override the decision.