Your credit limit is the amount you can spend when you make a purchase using Pay in 4. We'll tell you what your credit limit is when you sign up.
Want to increase your credit limit?
If you consistently repay your loans early or on time, you could see your credit limit go up. However, if you miss any payments, your credit limit could go down.
Can I buy something that exceeds my credit limit?
Yes, you can with Zilch Boost – we just add the extra on to your first payment at checkout. For example, if your credit limit is £200 and you use Boost to make a purchase of £300, you’ll pay the following instalments:
£150 (plus any fees) at checkout (the £100 Boost amount + your first £50 instalment)
£50 two weeks after the transaction date
£50 four weeks after the transaction date
£50 six weeks after the transaction date
Got any other questions?
Visit our help centre or contact our Customer Support team.