Real life loan options for your real life.

Helping you succeed

Ready for a fresh approach?

Looking to refinance for debt consolidation? Low deposit? Non-standard income? Credit issues? These are all real life situations we specialise in providing solutions for.

We are Australia’s number 1 non-bank lender - we’ve been awarded Best Non-Bank Lender three times – in 2017 and 2019 at the Australian Mortgage Awards and in 2018 at the Australian Lending Awards. 

Best Non-Bank Lender 2018


When you're looking for a real life attitude to loans, talk to us at Pepper Money on 13 73 77.

Home Loan Options
Home Loans

Calculate your borrowing power

Car Loan Options
Car Loans

Get your personalised rate*

Personal Loan Options
Personal Loans

Get your personalised rate*

Do your clients need a loan to help get on with real life?

Login to the Pepper Money broker portal to see how we can help

Broker portal

Who is Pepper Money?

As Australia’s number 1 alternative lender, we live our mission: to help you succeed.

We provide a variety of home loan solutions, including some the banks won’t - we also provide car loans, personal loans, loans for professional equipment, and commercial loans.

We’re a well-established global credit provider with specialist experience in our core disciplines of consumer lending and asset servicing across the residential and commercial property sectors.

Our offices span Australia, New Zealand, Asia and Europe – including Ireland, UK, Spain and South Korea. To learn more about us click here.

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Important Information

*Interest rates range from 7.95% p.a. (9.56% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate). Rates are correct as at 10 February 2020 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 $5000 and $7,999, and 18 to 84 months for unsecured loans from $8,000 to $40,000

EXAMPLE: An unsecured personal loan of $30,000 borrowed over a term of 5 years with the minimum interest rate of 7.95%p.a. (9.56%p.a. comparison rate), would equate to an estimated minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

Pepper Money Personal Loans is a brand of Pepper Group Pty Limited ABN 55 094 317 665, Australian Credit Licence Number 286655. Credit is provided by Wingate Consumer Finance Pty Ltd, Australian Credit Licence Number 425142 as agent for Wingate Finco 2 Pty Limited ACN 164 213 030. All applications are subject to the credit provider’s credit criteria. Terms, conditions, fees and charges apply. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.