Real life loans and how we can help.

54% of Australians turned down for a loan didn't know there was an alternative. Good news. There is. Pepper Money - Australia's Best Non-Bank Lender.

I'm looking to buy a home

I'm looking to buy a home

We offer a fresh alternative for home loan help. Find out more about our home loan options.

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I'm looking to refinance my home loan

I'm looking to refinance my home loan

Find out more >
I'm self employed looking to buy a home

I'm self employed and looking to buy a home

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I'm looking for a personal loan

I'm looking for a personal loan

Apply online from any device and receive a decision within 15-20 minutes.

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Looking to buy a car

I'm looking to buy a car

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I'm a Mortgage Broker

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The good things about Pepper 

We specialise in working on each individual application so we can fully understand your real life situation and how we can help.

You first
Why Pepper?
one on one help
One on one help

You deal directly with a Lending Specialist who will look at your individual circumstances.

Talk to us on 13 73 77

flexible loan products
Flexible loan products

See what our customers have to say about us...

Visit our Help Centre to read more.

Service you can rely on

The award-winning lender that helps you succeed by looking at finance differently.

MPA 2018 Non-Bank of The Year
Non-Bank of The Year

Mortgage Professional Australia 2018

Best Non-Bank Lender Award
Best Non-Bank Lender

Australian Lending Awards 2018

Best Specialist Lender Award
Best Specialist Lender

Australian Lending Awards 2019

Best Specialist Lender Award
Best Personal Loans

Finder Awards 2017

Help at hand

For more of your questions answered visit our Help Centre.

Important Information

*Interest Rates range from 3.36-5.61%p.a. for Pepper Essential loans and 4.26-7.61%p.a. for Pepper Easy loans until 11 October 2019. Loan applications lodged after the promotional period will be offered the current interest rates then applicable. Offer may be continued, withdrawn or changed at any time without notice. The actual interest rate applicable will depend on the individual borrower’s circumstances. 

**Pepper Money interest rate promotion applies only for new Pepper Essential and Pepper Easy loans applicants. Offer does not apply to existing borrowers. Applications must be submitted between 12.01am AEST on 22 July 2019 until 11.59pm AEST on 11 October 2019. Applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Fees and charges are payable.

^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 Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term. Pepper Group Ltd ACN 094 317 665 Australian Credit Licence Number 286655 is the servicer of loans by Pepper Finance Corporation Limited ACN 094 317 647.

Note - All applications are subject to Pepper's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.