You can use the loan for almost anything

debt consolidation
Debt Consolidation

Roll your debt into one easy-to-manage loan.

holiday loan
Holiday

We can get you there, wherever it may be.

renovation
Renovation

Home improvements made easy.

wedding loan
Wedding

Take the stress out of planning your big day.

Take the wait out of what you want

There are no surprises when you take out a personal loan with Pepper Money. That means no establishment fees, no monthly fees and the flexibility to control your repayments. And we offer competitive interest rates from 9.99% p.a. (comparison rate)*.

Our smart application will allow you to apply online from start to finish in 15-20 minutes. No phone calls or branch visits necessary, and we’ll pay funds into your bank account on the next business day following approval. It’s all part of our mission to help you achieve your financial goals.

Try our personal loan repayments calculator

Use our repayment calculator to find out your unsecured personal loan indicative rate and how much your repayments might be. The better your credit rating the lower the interest rate you'll receive. 

What’s your credit situation? Email Hint

Please choose your credit ratings.

Select a loan purpose

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Choose a loan amount

 

Max. eligible amount : $50,000

Choose a loan term

Please choose loan term

Select type of interest

Please choose interest type

Pick payment frequency

Please choose repayment frequency

Service you can rely on

Service you can rely on

We’re an award-winning lender that helps you succeed by looking at finance differently. Since 2001, we have helped over 100,000 Australians.

Read the review on Product Review >

Compare our unsecured personal loan products

Interest Rate Type  Variable Fixed
Interest Rate Starting from 9.99% p.a. comparison rate*
Easy online application Yes
Loan Terms 1 - 7 years
Loan Amount $5,000 - $50,000
Funds paid into your account Next business day following approval
Account Statements 6 monthly
Flexible Repayments Weekly / Fortnightly / Monthly
Repayment Facilities BPAY / Direct Debit / Direct Credit
Monthly account keeping fees $0
Break fee - if early repayments exceed an amount equal to three months' repayments or more N/A $150
Early repayment fee - if you repay your loan in full prior to the end of the term  N/A $300

Ready to apply?

You can find out how much you’re approved to borrow with our simple online application process.

Apply online

Award winning lender

We're the award-winning lender that helps you succeed by looking at finance differently.

*Interest rates range from a minimum of 9.99% to a maximum of 27.99% p.a. Rates are correct as at 15 October 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. Comparison Rates for Unsecured Personal Loans 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.

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