Personal Loans

Whether you're consolidating debts, purchasing a new car or renovating, a personal loan with Pepper Money can help you succeed. 

How can we help?

car loans

Car Loans

A flexible car loan to help you get moving.

  • Interest rates from: 7.99% p.a.*
  • Comparison rate: 9.10% p.a.**
  • Apply over the phone
  • Max loan amount: $300k
  • Fixed rate loans only

Whether it's a new car, motorbike, caravan or boat you'll receive a competitive interest rate range based on your circumstances.

unsecured personal loan

Unsecured Personal Loans

A personal loan with no hidden upfront or ongoing fees.

  • Interest rates from: 9.99% p.a.*
  • Comparison rate: 9.99% p.a.**
  • Online application
  • Max loan amount: $50K
  • Variable and fixed rates

Renovating, consolidating debt or going on a holiday? Apply online from any device and receive a decision within 15-20 minutes.

Help at hand

For more of your questions answered visit our Help Centre.

*Interest rates range from a minimum of 9.99% to a maximum of 21.49% p.a. Rates are correct as at 30 June 2017 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.

*Interest rates range from a minimum of 7.99% p.a. (9.10% p.a. comparison rate) to a maximum of 11.99% p.a. (13.10% p.a. comparison rate). Rates are correct as at 30 June 2017 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 Car Loans are calculated based on a secured loan and of $30,000 over a 5 year term. 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.