We cannot manually increase your spend limit. Whether you’re a new customer or have been with us for a while, we’ll regularly assess whether a spend limit that we consider is appropriate for you. Our system reviews accounts regularly to assess eligibility for limit increases, and a variety of factors are taken into consideration, including your on-time payment history, how long you’ve been with us, your affordability information and the information contained in your credit report.

There are circumstances that may lower your spending limit, such as missing a payment, lack of spending activity, requesting a spend limit decrease, your affordability information and the information contained in your credit report. Conversely, consistently paying on time helps improve your chances of being assessed for a higher spend limit.

Good to know
You can manage upcoming payments in the Clearpay app, and in some cases, reschedule payments if needed - learn more about this here.