Zip Personal Loan
Personal Loans
Unsecured personal loan for larger expenses with fixed repayments over a chosen term.
- From
- 11.99%
- 12.94% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Personalised variable rate range starts at 11.99% p.a. | 11.99% | 12.94% | — |
| Variable Personalised variable rate range can be as high as 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 each month until the loan is fully repaid. | Ongoing | $9.95 |
| Late fee 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
- Fixed term
- Fixed loan term with scheduled repayments
- Extra repayments
- Ability to make additional repayments
- Redraw facility
- Redraw facility may be available
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old
- Residency statusMust be an Australian citizen or permanent resident
- Credit checkSubject to credit assessment and lending criteria
- IncomeStable income required to service the loan
- EmploymentEmployment details required as part of application
Constraints
- Minimum limit — $5,000.00Minimum loan amount.
- Maximum limit — $50,000.00Maximum loan amount.
More Information
Published by Zip under the Consumer Data Right · Last updated 19 June 2026 · Product ID zip-personal-loan