If you're shopping online with any of our Warehouse group partners* and the total value of a transaction is above the spend limit that is specified on your Zip account, you have the opportunity to pay for the difference upfront on top of your initial instalment. When you log in to your Zip account on checkout, you'll be informed of the value of the increased initial payment and future instalments. This is only available online, so you won't be able to do it for in-store purchases.
In the example below, the account spend limit is $300 but the purchase value is $340.
- Instalment 1 – $115 ($75 +$40 difference between your spend limit and price of goods)
- Instalment 2 – $75
- Instalment 3 – $75
- Instalment 4 – $75
Other retailers may allow split payments, so you could pay partially with Zip and with cash/card for the remaining balance.
Unfortunately we are unable to manually increase your spend limit, but this will gradually increase the more you shop using Zip (more information <<here>>)
*Warehouse Group partners are The Warehouse, Warehouse Stationery, Noel Leeming, 1-day, Torpedo7, and The Market