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.

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

There are no surprises
There are no surprises

With zero establishment fees and zero monthly fees. 

It's super quick
It's super quick

Apply online from any device, from start to finish in 15-20 minutes. 

Competitive interest rates
Competitive interest rates

Interest rates from 9.99% p.a. to 27.99% p.a.* (9.99% to 27.99% p.a. comparison rates**) based on your circumstances

Calculate your indicative interest rate and repayments

What’s your credit situation? Email Hint

Please choose your credit ratings.

Select a loan purpose

Please choose loan reason

Choose a loan amount


Max. eligible amount : $50,000

Choose a loan term

Please choose loan term

Select type of interest

Please choose interest type

Pick payment frequency

Please choose repayment frequency

Which rate is best for my holiday?

Interest Rate Type Variable Fixed
Interest Rate Interest rates from 9.99% p.a.* (9.99% p.a. comparison rates**)
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

You can borrow up to $50,000 with a Pepper Money unsecured loan.

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.

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. We use it to determine if you qualify for a loan, at what interest rate, and what credit limits. 

Lots of factors can impact your credit score including number of enquiries, adverse credit listings and personal information held on your credit file. 

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

For the full FAQs click here.

Start your journey

Ready to pack your bags and go exporing? 

Apply Now

Important Information

*Interest rates range from a minimum of 9.99% to a maximum of 27.99% p.a. Rates are correct as at 5 April 2019 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances. Indicative interest rates provided are calculated based selected credit situation, loan purpose, amount and term, type of interest and payment frequency. All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.

** 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.


1 http://www.roymorgan.com/findings/6974-holidays-waiting-to-happen-australian-workers-134million-days-annual-leave-201609200934


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