---
title: "Zip Personal Loan — Zip"
description: "Personal Loans from Zip. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/zip/products/zip-personal-loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-04T00:00:00+00:00
---

# Zip Personal Loan — Zip

> Personal Loans from Zip. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

Unsecured personal loan for larger expenses with fixed repayments over a chosen term.

## At a glance

- **From:** 11.99% (12.94% comparison)

## Apply

Applications are handled by the provider: [Apply at Zip](https://zip.co/au/zip-personal-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Personalised interest rate from 11.99% p.a.) | 11.99% | 12.94% | — |
| Variable (Personalised interest rate up to 21.99% p.a.) | 21.99% | 22.9% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment fee — Added to the loan balance when funds are disbursed. | Upfront | $199.00 |
| Monthly account fee — Charged monthly · Charged each month until the loan is fully repaid. | Ongoing | $9.95 |
| Late fee — 21 · Applied if a repayment is more than 21 days overdue. | Late payment | $25.00 |
| Dishonour fee — Charged if a repayment is rejected by the bank. | Dishonour | $5.00 |

## Features

- **Extra repayments** (Ability to make additional repayments)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old)
- **Residency status** — AU (Must be an Australian citizen or permanent resident)
- **Have your own valid and verifiable email address.**
- **Have your own valid and verifiable mobile number.**
- **Approval subject to Zip’s credit assessment criteria.**

## Constraints

- **Minimum limit** — $5,000.00 (Minimum loan amount.)
- **Maximum limit** — $50,000.00 (Maximum loan amount.)

## More information from Zip

- [Overview](https://zip.co/au/zip-personal-loan)
- [Terms & conditions](https://help.zip.co/hc/en-us/articles/11782107291151-Zip-Personal-Loan-interest-rate-and-fees)
- [Eligibility](https://help.zip.co/hc/en-us/articles/11780650043151-What-is-a-Zip-Personal-Loan)
- [Fees & pricing](https://help.zip.co/hc/en-us/articles/11782107291151-Zip-Personal-Loan-interest-rate-and-fees)

## Data provenance

- Published by Zip under the Consumer Data Right
- Product ID: `zip-personal-loan`
- Last updated by the provider: 4 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/zip/zip-personal-loan
- Provider page: https://www.cdrcompare.au/brands/zip

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/zip/products/zip-personal-loan) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)