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.

What is a credit score?

A credit score is one indicator of your credit risk and is used to assess your credit worthiness. Find out more about credit scoring here.

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

*Pepper Money Unsecured Personal Loan interest rates range from 5.95%-17.95% p.a. (Comparison rates range from 5.95%-17.95% p.a.) and Secured Personal Loan interest rates range from 4.95%-15.45% p.a. (Comparison rates range from 4.95%-15.45% p.a.). All Pepper Personal Loan rates are correct as of 24 February 2021 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.