When determining which orders to approve, our automated system considers a number of different factors. For example, the longer you have been a shopper using Pay in 4 interest-free installments and the more orders you have successfully repaid, the more likely you will be able to spend more. Restrictions are tighter for ‘new’ shoppers until we get to know you.

We understand it can be frustrating to not know exactly how much you can spend each time, our automated process helps Pay in 4 interest-free installments responsibly offer a completely free service to shoppers.

The good news is that each time you use Pay in 4 interest-free installments we are making a fresh decision, and over time you will be able to spend more so long as you continue to repay your payments on time as per your agreed payment schedule

Minimum spend is $35.00.