Why was my application declined?
If your application has been 'declined', unfortunately, we are unable to overturn the decision at this time. As a responsible provider of credit, we consider several factors as part of our assessment process and cannot provide the reason for the decline.
This includes, but is not limited to:
- Your credit file, which may demonstrate your repayment history with other lenders (e.g. telcos, utilities and credit accounts). This helps us determine whether you can comfortably meet your repayments. For more information relating to your credit file, please contact Equifax directly.
- The personal information you provided which allows us to confirm your identity.
Why was my application cancelled?
If your application has been 'cancelled', it may be that the information you've provided is insufficient for assessment. To move forward, please respond to any emails or text messages we've sent requesting further details.
Please reach out to our Customer Experience team if you require assistance.
Please note:
- A Zip account is a personal line of credit, we can only take into account an individual's income and expenses. We are unable to take into account another person's income or expenses.
- As a licensed credit provider, we are required to retain customer-provided transaction documentation for seven (7) years after the provision of the information.
Please see our Privacy Policy for further details on how we collect, hold, use, and disclose personal information.