Personal Loans

We can lend a hand

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Whether you’re interested in a holiday, renovating your home or looking for a new car, a personal loan with Pepper Money can help you succeed. And the best part? There are no surprises, which means no establishment fees and no monthly account keeping fees. Our hassle-free online application will give you conditional approval within minutes. And with flexible repayments options, loan terms from 1 to 7 years and a choice of fixed or variable, we can find a loan that meets your needs.

Choose your personal loan

Car Loan

Car Loan

Using your car as security means you may be eligible for a lower interest rate. A Pepper Money secured car loan offers fixed repayments and the ability to purchase new or used vehicles up to 15 years old (at the end of term).

Personal Loan

Personal Loan

Borrow up to $50,000 with an unsecured personal loan. With us there's no application or monthly account keeping fees and flexible repayment options. Apply online and receive conditional approval within minutes.

What you get with Pepper Money

Starting from 11.99% p.a comparison rate*
Starting from 11.99% p.a comparison rate*

Competitive Interest rates from 11.99% p.a to 19.99% p.a based on your circumstances

$0 account fees
$0 account fees

No establishment or monthly account keeping fees

Flexible payment
Flexible payment

We can arrange flexible payments to meet your needs

You can use the loan for almost anything

Fixed or Variable?

Pepper Money provides you with the ability to choose between a fixed or variable rate on your unsecured personal loan.

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Repayment Calculator

You can find out what your indicative rate is and how much your repayments might be, before applying for the loan.

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The Good things about Pepper

It's not just about being the best, it's about doing our best

You first
You first

We’re flexible, agile and have the willingness to work with your personal circumstances

Easy online application
Easy online application

A simple, online application process and online access to manage your loan

Safe & secure
Safe & secure

We've been helping Australians since 2001 and we're funded by leading financial institutions 

Ready to apply?

It’s simple, just try our online repayments calculator, let us know what you’re after and off you go!

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* Interest rates start from this amount, are correct as at 10 August 2016 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances. The comparison rate is 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.

EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 11.99% p.a. (11.99% p.a. comparison rate), would equate to 260 weekly repayments of $166.79 each and a total amount payable of $43,365.40.

Help at hand

For more of your questions answered visit our Help Centre.

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