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 137 377.

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

*Pepper Money Unsecured Personal Loan interest rates range from 5.95%-17.95% p.a. (Comparison rates range from 5.95%-17.95% p.a.) and Secured Personal Loan interest rates range from 4.95%-15.45% p.a. (Comparison rates range from 4.95%-15.45% p.a.). All Pepper Personal Loan rates are correct as of 24 February 2021 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 $5,000 and $7,999, and 18 to 84 months for unsecured loans from $8,000 to $50,000.

EXAMPLE: An unsecured personal loan of $30,000 borrowed over a term of 5 years with the minimum interest rate of 6.95% p.a. (6.95% p.a. comparison rate), would equate to an estimated minimum total amount payable of $35,518.60 via the weekly payment option. Rates are subject to change.