You might have noticed that for your first purchase with Zilch, you’re unable to pay off your second instalment early. There are two reasons behind this: to encourage responsible spending and to protect you from purchases made with your card without your approval.
For instance, if your card was stolen and used to make a purchase with Zilch, this will stop them from paying off the whole purchase in one go with your card and then making more purchases once the first one is fully paid off. It will also give you enough time to contact your bank to stop payments from coming out.