Fancy a little extra? As long as you haven’t reached your maximum limit, you might be able to increase your credit limit by using Zilch regularly, always paying on time and ticking off a few simple tasks in the app.

You’ll find the tasks that need to be completed in the Zilch app. Simply click on your credit limit to see your to-do list.

There are a few different steps to complete before we can potentially give you a limit increase. These include…

As you tick off each task, we’ll reassess your credit limit, which means you could see an increase. We’ll always let you know when your credit limit has increased.

If you don’t want your limit to change, simply contact us via live chat.

If you can’t see any more tasks in your checklist, that means you’ve actioned them all. Well done. Continue using Zilch regularly and paying on time and you could reach your max limit.

If you’re eligible for a credit limit increase after ticking off a task, this increase will happen immediately.

Yes, your limit can also go down. This usually happens if you’ve missed a scheduled payment, so it’s best to make sure you always pay on time. Missed payments can also have a negative effect on your credit score.

When you tick off each task, it moves it into the Completed section. Just click the drop-down arrow to view each completed task.

How do I know if I’m at my maximum limit?

Your remaining credit limit and your maximum credit limit are always available to view in the app. Contact Customer Support if you’re having trouble locating yours.

This is something we may review over time. We’ll always let you know if there are any changes to your 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:

Search our help centre or contact our Customer Support team.