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? We can help turn your dream holiday into a reality.

Get your personalised interest rate and apply online in minutes.


What you get with Pepper Money Personal Loans

rates based on your circumstances
Rates based on your circumstances

Get your rate before applying, it won’t impact your credit score.

no fees
No fees

Ditch the fees and save with our no fee personal loan. No set up fee, no monthly fee and no early repayment fee.

get a quick decision
Get a quick decision

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 on 1300 108 794.

Ready to start?

Our loan application is simple and secure

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Personal loan product features

Feature Unsecured loan Secured loan
Interest Rate

Fixed interest rates range from 5.95% - 19.95%p.a.* (5.95% - 19.95%p.a. comparison rate**)

Fixed interest rates range from 4.95%-17.45%p.a.* (4.95% - 17.45%p.a. comparison rate**)

Easy Application Process

10 minutes online, or call us on 1300 108 794

Loan Term

18 -84 months^

Loan Amount

$5,000 - $50,000

$15,000 - $50,000

Funds Availability

Next business day following approval (subject to your bank's direct credit processing times)

Repayment Type and Frequency

Pay by Direct Debit in weekly or fortnightly installments

Fees and Charges We don't charge any application fees
  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee | $0
  • Security registration fee | $0 (Only for secured loans)


For more information about our secured loans and unsecured loans, you can download our facts sheet or call us on 1300 108 794.

Popular questions

Put simply, it’s a personal loan that you’ll use to cover part of all of your holiday expenses. Taking out a personal loan to pay for your holiday could make managing your finances easier; allowing you to spread to cost of the trip across your chosen loan term. You’ll also have certainty in knowing what your ongoing payments and commitments will be. What’s more, depending on your circumstances, you might be eligible for a lower interest rate than a credit card.

Our personal loans have no upfront or ongoing fees, and you can borrow between $5,000 to $50,000, depending on your situation. You can get your rate before applying, so you’ll know what the commitment looks like without leaving a mark on your credit score.

You can apply online in under 10 minutes. At a minimum, you’ll need to be an Australian citizen or permanent resident, over 18 years old, employed and have acceptable identification available. For the complete list, check out our eligibility requirements.

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

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.

There are many factors that may impact your credit score such as a 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

We don’t charge any fees when you take out a personal loan with us. This means you won’t pay any establishment, admin or exit fees! However, if you fall behind on your payments, then we may pass on any enforcement or recovery costs incurred by us.

For the full FAQs click here.

Start your journey

Ready to pack your bags and go exploring? 

Get my rate

Important Information

No fees apply, however we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.

*Pepper Money Unsecured Personal Loan interest rates range from 5.95%-19.95% p.a. (Comparison rates range from 5.95%-19.95% p.a.) and Secured Personal Loan interest rates range from 4.95%-17.45% p.a. (Comparison rates range from 4.95%-17.45% p.a.). All Pepper Personal Loan rates are correct as of 13 May 2022 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.

Help at hand

For more answers to your questions visit our Help Centre