Zip assesses every order at the time it is placed. Our automated system takes into account various factors to determine whether you are approved for an order, and each is assessed individually.
When you place an order using Zip, an authorization for 25% of your purchase amount is made at the time of your purchase to confirm your installment plan. If you don't have these funds available, your order will not be approved.
Any Zip app orders that exceed your spending power ("available balance") will also not be approved. Be sure to reduce your order value to be equal to or less than your Zip spending power.