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. - 27.99% 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.

Not sure which personal loan is right for you?

Fees Variable Fixed
Interest rate

Interest rates from 9.99% p.a. to 27.99% p.a.* (9.99% to 27.99% p.a. comparison rates**)

Break fee^ $0 $150
Early repayment fee^^ $0 $300
Establishment fee $0 $0
Monthly fees $0 $0

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.

*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.

^ Break fee apply if early repayments exceed an amount equal to three months' repayments or more.

^^Early repayment fee applies if you repay your loan in full prior to the end of the term.