Zip
Every product Zip publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 8 Oct 2026.
- Australian credit licence 441878, held by Zipmoney Payments Pty Ltd; credit licence since 2 September 2013. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
4 products in 3 categories
Zip's rates today
Zip's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where Zip sits among every institution's best
| Rate | Zip | Best anywhere | Typical institution |
|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 11.99%Zip Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
Zip personal loan rates
Compare across lenders1 product
Its lowest advertised personal loan rate is 11.99% variable, with a comparison rate of 12.94%, on its Zip Personal Loan: 68th lowest of 69 lenders.
Published by Zip under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.