Zip assesses each order at the time it is placed. Our automated system takes into account various factors to determine whether you are approved and what spend limit we can provide you with.
Zip will place a hold of 25% of your purchase amount at the time of the transaction to confirm your installment plan. If you don't have this available your order will not be approved.
We also look at the total value of your order and can deny transactions if they exceed certain limits. Sometimes reducing the value of your order can help.