Personal loan calculator

  • Start by selecting the credit score grouping that is most applicable to you.
  • View the interest rate and what your repayments might look like
  • Get your individual interest rate based on your credit history

What is a credit score?

A credit score is one indicator of your credit risk and is used to assess your credit worthiness. Credit bureaus like Equifax use the following credit score groupings:

  • Average = 510-621
  • Good = 622-725
  • Very Good = 726-832
  • Excellent = 833-1200

Not sure where you land? Check your credit score for free by visiting their website here.

Get your rate before you apply

You can get your individual rate upfront without impacting your credit score.

Get my rate

See what our customers are saying about us

See what our customers are saying about us

At Pepper Money we care what our customers think about us, which is why we encourage any feedback to help us continually improve our service.

Read the reviews on Product Review >

Important Information

Interest rates range from 7.95% p.a. (9.56% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate). Rates are correct as at 10 February 2020 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.

Pepper Money Personal Loans is a brand of Pepper Group Pty Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. 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.