Don’t have sleepless nights over your happiest day.

Planning your wedding can be a wonderful experience, and with so many options for your big day it pays to plan ahead. The planning takes time: The average Australian couple spends 1 year and 5 months working out the details. Yet despite all the preparation, an amazing 60%  of people still go over budget on their wedding1. The trick to succeeding? Make a plan and stick to it. 

Icon of a wedding cake

What to budget? According to the Australian Securities and Investments Commission, the average wedding in Australia costs around $36,2002. Other research suggests we should then add around another 25% for the honeymoon.

Whether you want to go all out or you’re looking to create a careful budget, Pepper Money is here to help you finance your big day, with little stress.

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 product is best for my wedding?

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 each of your wedding costs 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.

Our job is to help make your special day, extra special.

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.


Sources:

1http://www.abc.net.au/news/2011-09-26/couples-spending-36000-on-weddings/2943024
2https://www.moneysmart.gov.au/managing-your-money/budgeting/simple-ways-to-save-money/how-much-can-a-wedding-cost

Help at hand

For more of your questions answered visit our Help Centre.