ZIP

To pay with Zip, you need to:

• Be over 18
• Have a UK debit card
• Be living in the UK
• Have a good credit history and show responsible borrowing behaviour – for existing Zip customers, this means paying your instalments on time. To better understand and learn how to improve your credit, sign up for free with a credit reference agency such as  Experian or TransUnion. For some customers, we haven’t been able to verify their details because conflicting information is held by the credit reference agencies.

You’ll be subject to a soft credit check and will also need a smartphone – which you can verify – to be able to download the app and sign up for an account.

Your spending limit is the maximum amount of credit Zip offers you at the time of your purchase. It’s unique to you, and is dependent on varying factors:

• The cost of your purchase
• How long you’ve been a Zip customer
• How many purchases you’ve paid back
• Where you shop
• Your credit check

Your spending limit can be increased if you make your Zip repayments on time, and decreased if you frequently miss them. You can spend above your limit at most Zip retailers by paying the difference yourself at the checkout.

• Zip payments are automatically taken every two weeks for six weeks – you’ll make the first payment immediately at the checkout
• We try to take payments around midday
• If you’d like to make an early repayment, log in to your account

• The answers to our customers’ most frequently asked questions can be found in our help centre
• You can also contact our Customer Experience team by submitting a support request
• Be sure to include at least two of the following pieces of personal information: your first and last name, phone number, postcode and order number
• Please only submit one support request, submitting multiple requests for the same query can delay response times for you and other customers
• Our agents are available from Monday – Friday, 8am to 6pm, and Saturday, 11am to 4pm
• If you’d rather speak to one of our Customer Experience team, call +44 20 3319 6601. Our lines are open from Monday – Friday from 9am to 5pm