ZipZip Personal Loan
Unsecured personal loan for larger expenses with fixed repayments over a chosen term.
At a glance
- Variable
- 11.99%12.94% comparison
- Loan size
- $5,000 to $50,000
- Upfront fee
- $199
- Monthly fee
- $9.95
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 11.99% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 64th lowest of 68 |
| Variable personal loanMoves with the lender's rates | 11.99% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 40th lowest of 45, level with one other |
Rates
Every rate Zip publishes for this personal loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariablePersonalised interest rate from 11.99% p.a. | P&I | - | - | 11.99% | 12.94% | - |
| VariablePersonalised interest rate up to 21.99% p.a. | P&I | - | - | 21.99% | 22.90% | - |
Fees
4 fees published, grouped by when they're charged.
- When you take it out$199Establishment fee
- While you hold it$9.95 a monthMonthly account fee
- When you close it or pay it offNo fee published
When you take it out1
- Establishment fee
Added to the loan balance when funds are disbursed.
$199
While you hold it1
- Monthly account fee
Charged each month until the loan is fully repaid.
$9.95 a month
If a payment is late or fails2
- Dishonour fee
Charged if a repayment is rejected by the bank.
$5 - Late fee
Applied if a repayment is more than 21 days overdue.
$25 21 days after it's due
Features
Eligibility and limits
- Minimum age 18
- Residency: AU
- Amount $5,000 to $50,000
- Have your own valid and verifiable email address.
- Have your own valid and verifiable mobile number.
- Approval subject to Zip’s credit assessment criteria.
Compare it with others
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Published by Zip under the Consumer Data Right, last changed by them on 4 Aug 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.