You will automatically be opted into instalments on Zip Money if the purchase amount is $300 or above.
You can still shop if the purchase value is below $300, but the purchase will not be split into equal instalments; instead it will reflect as a balance owing in your Flex schedule.
The balance for any purchase(s) under $300 will be repaid on the Flex schedule at your minimum monthly repayment (MMP) (please refer to your account contract to confirm this amount), unless otherwise adjusted.