Personal Loan Products

Pepper Money provides customers with the flexibility to choose between a fixed or variable rate on their unsecured personal loan.

We also offer a secured fixed rate personal loan option for motor vehicle finance. Find out more here.

Interest Rate Type Fixed Variable
Interest Rate

Starting from 9.99% p.a comparison rate*

Break fee - if early repayments exceed an amount equal to three months’ repayments or more $150  N/A
Early repayment fee – if you repay your loan in full prior to the end of the term $300  N/A 
Monthly Account Keeping Fees No
Account Statements

6 monthly statements available online
Issued beginning of July (Jan – June) and beginning Jan (July – Dec)

Repayment Facilities


Direct Debit

Direct Credit

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*Interest rates range from a minimum of 9.99% to a maximum of 21.74% p.a. Rates are correct as at 5 March 2018 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. All Comparison Rates are calculated based on an unsecured loan of $30,000 over a 5 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.