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 6.75% - 19.95%p.a.* (6.75% - 19.95%p.a. comparison rate**)

Fixed interest rates range from 5.75%-17.45%p.a.* (5.75% - 17.45%p.a. comparison rate**)

Easy Application Process

10 minutes online, or call us on 1300 108 794

Loan Term

18 -84 months^

Loan Amount

$5,000 - $50,000

$15,000 - $50,000

Funds Availability

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

Repayment Type and Frequency

Pay by Direct Debit in weekly or fortnightly installments

Fees and Charges We don't charge any application fees
  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee | $0
  • Security registration fee | $0 (Only for secured loans)

For more information about our secured loans and unsecured loans, you can download our facts sheet or call us on 1300 108 794.

Ready to take the next step? Get your individual rate upfront without impacting your credit score.

Get My Rate

See what a personal loan might look for you

Calculate your indicative interest rate and repayments.

What’s your credit situation?

Please choose your credit ratings.

Choose a loan amount

Min. eligible amount : $5,000

Borrow from $5,000 to $50,000

Choose a loan term

Please choose loan term

Pick payment frequency

Please choose repayment frequency

Important Information

This repayment calculator gives you an estimate of what your personal loan repayments could be, based on information you have provided in the calculator.  It is to be used as a guide only and does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it.

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.

Holiday loan
Travel loan

We can get you there, wherever it may be.

Renovation loan

Home improvements made easy.

Wedding loan

Take the stress out of planning your big day.

Still not found what you're looking for?

Pepper Money offers a wide range of borrowing solutions, tailored to your individual needs. Speak to a Lending Specialist today and let us do the hard work for you. Call 137 377 or click below learn more about our asset finance products.

Find out more

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.

We don’t charge any fees when you take out a personal loan with us. This means you won’t pay any establishment, admin or exit fees! However, if you fall behind on your payments, then we may pass on any enforcement or recovery costs incurred by us.

For the full FAQs click here.

Help at hand

For more of your questions answered visit our Help Centre.

Important Information

No fees apply, however we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.

*Pepper Money Unsecured Personal Loan interest rates range from 6.75%-19.95% p.a. (Comparison rates range from 6.75%-19.95% p.a.) and Secured Personal Loan interest rates range from 5.75%-17.45% p.a. (Comparison rates range from 5.75%-17.45% p.a.). All Pepper Personal Loan rates are correct as of 8 July 2022 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.

**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.

^Loan repayment terms range from 18 to 84 months for secured loans. Repayment terms range from 18 to 36 months for unsecured loans between $5,000 and $7,999, and 18 to 84 months for unsecured loans from $8,000 to $50,000.

EXAMPLE: An unsecured personal loan of $30,000 borrowed over a term of 5 years with the minimum interest rate of 6.95% p.a. (6.95% p.a. comparison rate), would equate to an estimated minimum total amount payable of $35,518.60 via the weekly payment option. Rates are subject to change.

Get my rate Call 1300 108 794 Contact Us