As a responsible provider of credit, Zip considers a number of factors as part of the assessment process.
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.
You may be eligible to re-apply if your circumstances change, however, you'll need to wait 6-12 months in order to do so.