Zip personal loans
Zip has one personal loan that BankMate tracks.
Personal loan · Unsecured · Variable
Zip Personal Loan
12.94%comparison rate p.a.
from 11.99% advertised · Unsecured · variable · any purpose
69th of 84 unsecured loans
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fees: $199 application · $10/mo.
- Advertised rate
- from 11.99% p.a.
- Application fee
- $199
- Loan amount
- $5,000 – $50,000
- Minimum age
- 18
- Comparison rate
- 12.94% p.a.
- Monthly fee
- $10
- Advertised rate
- from 11.99% p.a.
- Comparison rate
- 12.94% p.a.
- Rate type
- Variable
- Application fee
- $199
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $25
- Loan amount
- $5,000 – $50,000
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- No
- Flexible repayment frequency
- No
- Minimum age
- 18
- Residency
- Australian residents only
- Zip Personal Loan
- RBA cash rate
- Unsecured average
No changes recorded for this product since tracking began on 26 September 2026.
Unsecured personal loan for larger expenses with fixed repayments over a chosen term.
Notes on Zip personal loans
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As of 1 November 2026, Zip has one personal loan tracked by BankMate. Its lowest comparison rate is 12.94% on the Zip Personal Loan (unsecured · variable · any purpose), ranking 69th of 84 unsecured loans and sitting 2.30 points above the unsecured market average of 10.64%. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.