Pay no fees for all personal loans

Borrow from $5k-$50k and pay no fees when you apply for a personal loan with Pepper Money.

With our fixed repayments and flexible terms tailored to your lifestyle and budget, relax knowing your monthly repayments won't change.

  • No establishment or upfront fees
  • No monthly or ongoing fees
  • No early repayment or exit fees

  • Flexible repayment options
  • Purchase with confidence. Get approval before you buy
  • Borrow between $5,000 and $50,000
  • Option to lower your interest rate when you secure the loan
  • Fixed repayments for more certainty


  • Be 18 years or over
  • Australian citizen or a permanent resident
  • Permanently employed, earning over $22,100 p.a.
  • No defaults or prior bankruptcy
  • Current acceptable identification

Personal loan calculator

Personal loan calculator

Calculate your repayments on a personal loan, based on your borrowing amount and the period of time over which you’re looking to pay it back.

Go to calculator

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 fee option

No establishment fee, no monthly fee and no early repayment fee.

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 on 1300 108 794.

Simple and secure

This simple process makes it easy for you to access your no fee personal loan.

1. Get your individual rate
1. Get your individual rate

Know your rate before you apply. It's quick and easy and won't affect your credit score.

2. Apply
2. Apply

Complete the 10-minute secure application process online or via phone (1300 108 794).

3. Send or upload your documentation
3. Send or upload your documentation

Send through any requested supporting documentation.

4. Funds deposited
4. Funds deposited

We'll aim to give you a decision within 5 hours. Funds in account next business day.

Ready to start?

Our personal loan application is simple and secure

Get Started

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 review on Product review >

Help at hand

*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.

Get my rate Call 1300 108 794 Contact Us