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.
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
With zero establishment fees and zero monthly fees.
Apply online from any device, from start to finish in 15-20 minutes.
Starting from 9.99% p.a.* (comparison rate**) based on your circumstances.
Get your indicative rate
Use our calculator to find out your unsecured personal loan indicative rate and how much your repayments might be. The better your credit rating the lower the interest rate you'll receive.
Which product is best for my wedding?
| Interest Rate Type | Variable | Fixed |
| Interest Rate | Starting from 9.99% p.a.* comparison rate** | |
| 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
With a Pepper Money unsecured wedding loan you can borrow up to $50,000 for your special day.
You can use our unsecured wedding loan for any of your wedding costs.
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. Pepper will use credit scores to partly determine if you qualify for a loan, at what interest rate, and what credit limits. Many factors can impact your credit score including number of enquires, adverse credit listings and personal information held on your credit file.
For the full FAQs click here.
Start your journey.
Our job is to help make your special day, extra special.
*Interest rates range from a minimum of 9.99% to a maximum of 27.99% p.a. Rates are correct as at 15 October 2018 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.
All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.
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
7 ways a personal loan can help you meet your goals
5 important questions to ask about a personal loan
For more of your questions answered visit our Help Centre.