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.

Icon of a palmtree

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.

Quick break away, holiday or honeymoon, sun, surf, snow, flying, climbing or cruising, we all have that dream trip we want to take. Ready for yours? Pepper Money can help make it a reality

What you get with Pepper Money Personal Loans

Get your rate before your apply
Smart: Get your rate before you apply

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

No early repayment fees
Flexible: No early repayment fees

$0 early repayment fee if you decide you want to pay your loan off faster. Choice of secured or unsecured loans.

Get a decision quickly
Fast: Get a decision quickly

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.

Personal loan product features

Feature Unsecured Loan
Interest Rate Fixed interest rates range from 8.95%pa - 16.95%pa* (10.56%pa - 18.53%pa comparison rate**)
Easy online application process 10-minute online or by phone (1300 108 794)
Loan Term 18 months to 36 months (<$7,999) and 84 months (>$8,000 to $40,000)
Loan Amount $5,000 - $40,000
Funds paid into your account Next business day following approval (subject to your bank's direct credit processing times)
Repayment Frequency Weekly or Fortnightly
Repayment Facilities Direct Debit
Fees and Charges Loan Establishment Fee | 4% of loan amount, capped at $495

Security Registration Fee* | $20

Account Administration Fee | $13 per month

Early Repayment Fee | $0


For more information about our secured loans and unsecured loans please click here or call us on 1300 108 794.

Popular questions

Our unsecured personal loans range from $5,000 to $40,000, repayable between 18 months to 84 months.

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.

Unfortunately at this time we do not accept applications for personal loan borrowers that have defaults on their credit report.

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 credit score is used to represent the creditworthiness of the person. Pepper Money will use credit scores to partly determine who qualifies for a personal loan, at what interest rate, and what credit limits.

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.

Many factors that may impact your credit score can be number of enquiries, adverse credit listings and personal information held on credit file.

Learn more about the common problems that could contribute to a low scores here

For the full FAQs click here.

Start your journey

Ready to pack your bags and go exporing? 

Get my rate

Important Information

*Interest rates range from 8.95% p.a. (10.56% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate). Rates are correct as at 11 November 2019 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 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.

Help at hand

For more answers to your questions visit our Help Centre