Zip Pay accounts come with a credit limit of either $250, $500 or $1000. We'll identify the maximum limit you're eligible for during your application, based on the information you provide.
You may be eligible for a credit limit increase after you've been using your account for a while and have a history of successful repayments. Keep an eye on the 'Account Limit' tab in your Digital Wallet to see if you're eligible to apply for a limit increase.
In the meantime, you can apply for a Zip Money account (designed for larger purchases of over $1000) or make a co-payment for purchases over your account limit. A copayment is an additional payment covering the difference between your purchase amount and your available Zip funds, which you can make at checkout.