You can use the loan for almost anything

debt consolidation
Debt Consolidation

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

holiday loan

We can get you there, wherever it may be.


Home improvements made easy.

wedding loan

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.* (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.

Calculate your indicative interest rate and repayments

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Choose a loan amount


Max. eligible amount : $50,000

Choose a loan term

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Select type of interest

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Pick payment frequency

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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.

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Compare our unsecured personal loan products

Interest Rate Type  Variable Fixed
Interest Rate Interest rates from 9.99% p.a.* (9.99% p.a. comparison rates**)
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 5 April 2019 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances. Indicative interest rates provided are calculated based selected credit situation, loan purpose, amount and term, type of interest and payment frequency. 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.

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