A wide-awake look at your dream holiday
Australians love to travel – we spend more on it than most countries in the world. Yet around 44% of working Australians have more than 3 weeks leave owing1. That’s a lot of holiday time.
When we do take a break, our top 3 overseas destinations are NZ, Indonesia and the USA2. But we don’t all fly offshore. Plenty of us like to take a break right at home. Whether it’s an interstate holiday, sitting on a sunny beach, exploring the Big Red Centre or an amble through some of the best vineyards anywhere, we love our country.
Sun, surf, snow, flying, climbing or cruising, we all have that dream holiday we want to take. Ready for yours? Pepper Money can help make it a reality
Here's where Pepper Money can help
With zero establishment fees and zero monthly fees.
Apply online from any device, from start to finish in 15-20 minutes.
Starting from 9.99% p.a.* (comparison rate**) based on your circumstances.
Get your indicative rate
Use our calculator to find out your unsecured personal loan indicative rate and how much your repayments might be. The better your credit rating the lower the interest rate you'll receive.
Which rate is best for my holiday?
| Interest Rate Type | Variable | Fixed |
| Interest Rate | Starting from 9.99% p.a.* comparison rate** | |
| Easy online application | Yes | |
| Loan Terms | 1 - 7 years | |
| Loan Amount | $5,000 - $50,000 | |
| Funds paid into your account | Next business day following approval | |
| Account statements | 6 monthly | |
| Flexible Repayments | Weekly / Fortnightly / Monthly | |
| Repayment Facilities | BPAY / Direct Debit / Direct Credit | |
| Monthly account keeping fees | $0 | |
| Break fee - if early repayments exceed an amount equal to three months' repayments or more | N/A | $150 |
| Early repayment fee - if you repay your loan in full prior to the end of the term | N/A | $300 |
Popular questions
With a Pepper Money unsecured holiday loan you can borrow up to $50,000 to go on that next trip.
We’ll pay funds into your nominated account on the next business day following approval. That means you’ll have the flexibility to pay for your trip any way you want.
We’ll pay funds into your nominated account on the next business day following approval. That means you’ll have the flexibility to pay your debts any way you want.
Pepper Money does consider applications that have defaults providing they pass our credit score and application lending criteria.
A credit score is generally provided by a credit reporting body and used to represent the creditworthiness of an applicant. Pepper will use credit scores to partly determine if you qualify for a loan, at what interest rate, and what credit limits. Many factors can impact your credit score including number of enquires, adverse credit listings and personal information held on your credit file.
Pepper is Australia's number 1 alternative lender, and we live our mission: to help people succeed.
We specialise in working on each individual application so we can fully understand your real life situation and help find a suitable solution.
Since 2001, we’ve been helping over 200,000 Australians who don’t tick all the traditional boxes for home loans – and we also provide personal loans as well as professional equipment and car loans. Learn more about us here.
Start your journey
Ready to pack your bags and go exporing?
*Interest rates range from a minimum of 9.99% to a maximum of 27.99% p.a. Rates are correct as at 15 October 2018 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.
All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.
Sources:
1 http://www.roymorgan.com/findings/6974-holidays-waiting-to-happen-australian-workers-134million-days-annual-leave-201609200934
2 https://www.finder.com.au/top-10-travel-destinations-for-australians
Help at hand
For more answers to your questions visit our Help Centre.