You can pay off your Zilch instalments at any time before their due dates. Making payments early may help increase your credit limit.

If you have an iPhone, you can make your payments with Apple Pay, too – just make sure you don't select your Zilch card if you've added it to your Apple Wallet. As soon as you pay all four instalments of a purchase, we'll add the total purchase amount back to your available credit.

Remember, if you're keen to pay off a purchase as soon as possible, you can also use Zilch to Pay now – you'll pay 100% of your purchase cost at checkout and you'll get up to 5% back in Rewards. Plus, with Boost, you can even spend a little more than your available credit.