Consolidate your small debts into one better one

Competitive interest rates starting from 9.99% p.a. (comparison rate)* and absolutely no application fees or monthly admin fees.

Apply now Try our repayment calculator

Got a bunch of small debts that are adding up? A flexible Pepper Money personal loan can help. 

You can roll all those debts into one easy-to-manage personal loan and get your finances sorted. And as a special bonus for our customers, we’ll give you a $150 eftpos rewards cardto help.

What you get with Pepper Money

No Hidden Fees
No hidden upfront or ongoing fees

$0 establishment fee and $0 monthly account keeping fees

Smart Application
Smart Application

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. (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. 

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Please choose the loan purpose

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Loan amount


Max. eligible amount : $50,000

Please choose the loan term

Please choose loan term

Loan interest type

Please choose interest type

Your repayment frequency

Please choose repayment frequency

$150 card

Cash back for customers

Because you’re a Pepper Money customer, if you use this promotional code HLJUL18 before 31st August 2018, we’ll help you out with $150 eftpos rewards card+ when your loan settles.

Popular questions...

There are two primary loan types - secured and unsecured. At Pepper Money, if you need to buy a car or finance any other asset, we provide you the flexibility to choose between an unsecured personal loan and a secured loan. So what’s the difference?

Secured Loan - A secured loan is most often used to purchase valuable assets such as cars; the vehicle (or other asset) is then used as security against the loan. Because the loan is asset backed, the interest rate is lower. If you fail to make your repayments on a secured loan, the asset you have used as security may be repossessed to cover the outstanding balance on your loan.

Unsecured Loan - These loans are often taken out to cover the cost of smaller amounts such as a holiday or home renovation. With an unsecured loan the borrower isn’t providing any security against the loan. This means that the interest rates are higher as there is no asset to be recovered in the event of a default.

Pepper Money provides you with the flexibility to choose between a fixed or variable rate on your unsecured personal loan.

Fixed Rate - A fixed rate offers you the comfort of knowing that your interest rate is ‘fixed’ and the certainty that your repayments will not change for the life of the loan. You will have the flexibility to make some additional repayments or pay out your loan ahead of the loan term, however fees will apply.

Variable Rate - With a variable rate loan, your loan rate and repayments may rise or fall as interest rates change. Unlike a fixed rate loan, variable rate loans give you the flexibility to make extra repayments or repay your loan in full ahead of the loan term, without paying any additional fees.

Pepper Money does consider applications that have defaults providing they pass our credit score and application lending criteria.

A credit score is used to represent the creditworthiness of the person. Pepper will use credit scores to partly determine who qualifies for a loan, at what interest rate, and what credit limits. Many factors that may impact your credit score can be number of enquires, adverse credit listings and personal information held on credit file.

Our application is designed to provide you with an indicative serviceability assessment before you undergo a credit check. You will be notified before any official credit check takes place and the application process will seek your consent for us to access your credit file.

We only accept applications from 1 borrower at this time.

Service you can rely on

Service you can rely on

We’re an award-winning lender that helps you succeed by looking at finance differently. Since 2001, we have helped over 100,000 Australians.

Read the review on Product Review >

Ready to apply?

You can find out how much you’re approved to borrow with our simple online application process.

Apply online

Award winning lender

We're the award-winning lender that helps you succeed by looking at finance differently.

Pepper Award Winning Lender

*Interest rates range from a minimum of 9.99% to a maximum of 29.99% p.a. Rates are correct as at 23 July 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 personal 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. Make sense? We can always talk you through this if you’re not sure.

+We can only make this offer available to new personal loan applicants who apply and are approved for a Pepper Money Personal Loan before 31 August 2018. It’s a pretty good offer so we have to make it time limited. The offer isn’t available in combination with other offers, packages or promotions we might have going. And it does only apply once per eligible customer. The eftpos reward card will be dispatched within 30 days of personal loan funding. If you pay out or cancel your Pepper Money Personal Loan account before the reward card is issued, you may become ineligible for this offer. The eftpos card cannot be substituted for an alternate reward or for cash. Pepper Money will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Full terms and conditions are available here

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