During the application process, the strength of your application will determine the maximum limit we can provide based on the information provided.
Zip Pay: The maximum limit is $1000. If you are approved for a lower limit, you may be eligible for a credit limit increase. To be eligible, you need to demonstrate good repayment history with minimal to no missed repayments. For more information please click .
Zip Money: You may be eligible for a credit limit increase once you've been using your account for at least 6 months, and demonstrate good repayment history with minimal to no missed repayments.
If you've applied for the wrong amount, please get in touch with our Customer Experience team below.
We'll let you know through the Zip app, Web wallet or notify you via email once you're eligible to apply.