Why was my application declined?
If your application has been 'declined', unfortunately, we are unable to overturn the decision at this time. As a responsible provider of credit, we consider several factors as part of our assessment process and cannot provide the reason for the decline.
This includes, but is not limited to; your personal information and credit file, which may demonstrate your repayment history with other lenders (e.g. telcos, utilities and credit accounts). This helps us determine whether you can comfortably meet your repayments. For more information relating to your credit file, please contact Equifax directly.
Why was my application cancelled?
If your application has been 'cancelled', you may not have provided us with sufficient information to assess your application. To continue your application, please respond to any emails or text messages we've sent requesting further details.
Please note:
- A Zip account is a personal line of credit, we can only assess the applicant’s individual income and expenses. We will not take into account another person's income or expenses.
- As a licensed credit provider, we are required to retain customer-provided transaction documentation for seven (7) years after the provision of the information.
Please see our Privacy Policy for further details on how we collect, hold, use, and disclose personal information.