What you get with Pepper Money Personal Loans

rates based on your circumstances
Rates based on your circumstances

Get your rate before applying, it won’t impact your credit score.

no fees
No fees

Ditch the fees and save with our no fee personal loan. No set up fee, no monthly fee and no early repayment fee.

get a quick decision
Get a quick decision

We'll aim to give you a decision within 5 hours. Funds in account next business day. Apply online in 10 minutes or call us on 1300 108 794.

Personal loan product features

Feature Unsecured Loan Secured loan
Interest Rate

Fixed interest rates range from 5.95% - 17.95%p.a.* (5.95% - 17.95%p.a. comparison rate**)

Fixed interest rates range from 4.95%-15.45%p.a.* (4.95% - 15.45%p.a. comparison rate**)

Easy online application process

10-minute online or by phone (1300 108 794)

Loan Term

18 -84 months^

Loan Amount

$5,000 - $50,000

$15,000 - $50,000

Funds paid into your account

Next business day following approval (subject to your bank's direct credit processing times)

Repayment Frequency

Weekly or Fortnightly

Repayment Facilities

Direct Debit

Fees and Charges No Fee Loan Option
  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee | $0
No Fee Loan Option
  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee | $0
  • Security registration fee| $0

For more information about our secured loans and unsecured loans please click here or call us on 1300 108 794.

You can use the loan for almost anything

car loan
Car Finance

A range of flexible secured and unsecured car loan options.

Personal Loan Debt Consolidation
Debt Consolidation

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

Renovation loan

Home improvements made easy.


We can get you there, wherever it may be.

Wedding loan

Take the stress out of planning your big day.

Popular questions...

Getting your individual rate is quick and easy and won’t affect your credit score. You will know your rate before you apply by clicking on and completing the online form on the get my rate page. You will receive your rate within one minute and this rate won’t change when you continue on and submit your online application.

You can use your Pepper Money personal loan for almost all purposes. This could be anything from a holiday, home improvements, household furnishings, car purchase or repairs, auto upgrades, debt consolidation, educational expenses, medical and cosmetic surgery, dental surgery, mortgage cost funding, vehicle deposit funding, and even a wedding, funeral or sporting equipment.

We do not offer loans for the following purposes:

  • Debt consolidation of Pay Day lender debts
  • Payout
  • Rental
  • Mortgage and credit arrears
  • Payment of defaults and judgements
  • Loans for business purposes

Yes, however the way our application process works is we first allow you to access your individual rate for free without it affecting your credit score. If you decide to proceed to an application, a credit check will be done.

A secured loan is secured against an asset that you own. This will be your car or other vehicle that can be registered as security against the loan. That means if you fail to make repayments on a secured loan, the asset (the security) may be taken [repossessed] as part of the agreement and sold with the proceeds of the sale used to cover the outstanding balance on the loan. Due to these loans being secured against assets, consumers can often borrow more at a lower interest rate, in comparison to an unsecured loan.

An unsecured loan is simply a personal loan that is not secured against an asset. Unsecured loans are usually offered at lower borrowing amounts and with a higher interest rate.

Pepper Money offers both unsecured and secured personal loan products.

Once you’ve received full approval on your loan and we have received the necessary documentation, the funds will typically be transferred into your nominated bank account the next business day (subject to your bank’s direct credit processing times).

Unfortunately at this time we do not accept applications for personal loan borrowers that have defaults on their credit report.

Your application can be retrieved here.

NOTE: You'll need your email address, date of birth and phone number handy.  

If you're still having trouble, please contact us on 1300 108 794.

Important Information

*Interest rates range from 8.95% p.a. (10.56% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate). Rates are correct as at 1 November 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.

Credit assistance for Pepper Money Personal Loans is provided by Pepper Group Limited ABN 55 094 317 665, Australian Credit Licence Number 286655 or its authorised brokers. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164 213 030. All applications are subject to the credit provider’s credit criteria. Terms, conditions, fees and charges apply. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.