Friends consider getting personal loan
Friends consider getting personal loan

Make your goals a reality with personal lending

Whatever your goals, we’ll help you get there.

Realise your dreams with personal lending 

Whether it’s painting your house, paying out debts or cash for a renovation – our personal lending solutions could help you achieve your dreams sooner. Consolidate your debts, finance your holiday or access cash to fund your ambitions – the choice is yours.

I'm looking to fund my...

Fund your ambition with a personal loan

Personal loans give you the flexibility you need to fund your ambitions. With loans available from $5,000 to $50,000, a Pepper Money Personal Loan can be used for almost anything; treat yourself to a holiday, fund a hobby or invest in improving your home. Apply online today to get a rate based on your circumstances.

 

Friends talk about Pepper Money personal loan

   

Take out a personal loan today

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Reshape your finances

Would you know if you’re paying too much interest? It’s possible that if you’re paying off credit card debt or other high-interest lines of credit, you could save on interest and reduce your monthly repayments by taking out a personal loan for debt consolidation. This could mean managing just one payment, or paying less in interest so you can get out of debt faster.

 

Pepper Money debt consolidation duo

   

Consolidate your debts today

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Looking to renovate your home?

Love your home, but dreaming of a new bathroom or kitchen? Or maybe you could really do with air-conditioning. Regardless of what you want to achieve, our personal loans can help you realise your renovation ambitions. We’ll let you focus on designing interiors instead of worrying about the finances. 

 

Couple planning to get home renovation loan

   

Helping finance your renovations 

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Dreaming of a getaway?

It’s time to book your tickets and pack your bags – that dream holiday is about to become a reality. A personal loan could let you finally book that holiday you’ve always wanted, and  – it could even be cheaper than putting it on a credit card.

 

Pepper Money holiday loan duo

   

Helping you finance that dream holiday

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Make your house a home

Whether it’s time to invest in a quality piece, or something special has caught your eye, don’t let a lack of funds hold you back. A personal loan could help fund the new furniture or appliances you need to bring your home furnishing and styling vision to life.

 

Friends talk about Pepper Money personal loan

   

Helping you finance that dream piece for your home

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Get back on the road quicker

Need to get back on the road after a car breakdown, or restore your vintage pride and joy? A personal loan could help you get there; with unsecured loans starting from just $5,000. 

 

Friends talk about Pepper Money personal loan

   

Helping you finance that needed car repair

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

It's time to say 'I do'

While we can’t take all the stress out of getting married, we can help ease some of the financial pressure. Weddings often require a lot of upfront investment, putting a lot of pressure on your family or soon-to-be partner. A personal loan could help ease some of the strain, meaning less time saving and more time to enjoy the experience.

 

pepper money wedding loan duo

   

Helping you tie the knot sooner

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

Get the care you need now

Need to fund a medical or dental procedure? If you don’t have the funds upfront, a Pepper Money personal loan could help get you back to your best self sooner. Apply online today to get your personalised rate+ based on your circumstances. 

 

Family gets funds to pay for medical expenses

   

Helping you finance your medical care

Pepper Money Personal Loan Interest Rate

Ready to take the next step?

Get started with our no fee personal loan and find out your personalised rate today.

  Won’t impact your credit score     Get your rate in 2 minutes

   

 

I'm looking to finance my...

Get behind the wheel sooner

We all love that new car smell, and what better way to get there sooner than with a little help from our car financing. If you’re buying second hand – either privately or through a dealership, then we can still help finance your ride; just choose your repayment terms and hit the road.

Friends discuss about Pepper Money personal loan

   

Finance your car with us

  • Flexible deposit options
  • Lower your repayments with a balloon payment
  • Fixed interest rate
Pepper Money Personal Loan Interest Rate

Looking to buy a new car?

We’ve partnered with carconnect, Australia’s largest online car buying platform, to help save you time, money and hassle when buying your next new car.

  • Find your next car with ease   
  • Pocket big savings   
  • Trade ins solved

Embrace the electric revolution

Our electric vehicle financing is as innovative as your new car itself. You’ll also benefit from no ongoing monthly fees. Being green never felt so good.

 

Family discusses getting EV car loan

   

Finance your EV with us

  • Flexible deposit and balloon options available
  • No monthly account keeping fees
  • Fixed interest rate

It's time to get away

Nothing beats the feeling of exploring our amazing country and pulling into your favourite camping spot – whether it’s with friends in the country or a secluded beachside escape. We’ll help finance your caravan purchase, so you can focus on planning your trip and not worrying about your finances.

 

people enjoying caravan loans

   

Finance your caravan with us

  • Absolutely no fees*
  • Get your rate without impacting your credit score
  • Quick turnaround - get a response within hours

Let’s hit the waves

Nothing beats exploring the magnificent coastline. Imagine the sun beating down as you ride the waves, explore new beaches and appreciate nature’s beauty. Or maybe you’ve finally found the perfect fishing spot. Either way, we’ll help you focus on the tide rather than getting tied up in the finance jargon of a boat loan. We can help you finance the purchase of new or used boats, jet skis, Sea-Doos and other personal watercraft.  

 

enjoying watersports with financed watercraft

   

Finance your boat, watercraft or jet ski with us

  • Absolutely no fees*
  • Get your rate without impacting your credit score
  • Quick turnaround - get a response within hours

Two wheels are all you need

Time to hit the road and escape the city? All you need is two wheels and your sense of adventure. With our motorcycle and scooter financing, you can focus on having fun on two wheels instead of deciphering financial jargon.

 

bikes financed by Pepper Money

   

Finance your bike or scooter with us

  • Absolutely no fees*
  • Get your rate without impacting your credit score
  • Quick turnaround - get a response within hours

Ready to take the next step?

Ready to get going? Apply online in as little as 10 minutes. Have your ID and income verification docs ready and on-hand to go.

Our Product Reviews

Pepper Money reviews

What our customers think about us

4.4

from 692 reviews

Fantastic experience

The application process was so quick and easy. There were no fees up front, and our interest rate is quite reasonable. I wouldn’t hesitate to recommend Pepper Money to my family and friends if they need a personal loan. We finally get to pay off our wedding. Woohoo!

Janette, Sydney
My car basically went boom!

I applied for a loan through Pepper early in the morning, by the time I'd found a car that I liked they'd already conditionally approved me. By the end of the day, it was all settled. Can't recommend Pepper Money enough - their speed and customer service is second to none.

Robert, South East Queensland
Thanks for making it happen!

Very professional, convenient, easy, quick and friendly staff. I tried with other financial institutions but couldn’t get it due to credit rating. I was disappointed, so finally I tried personal loan with Pepper Money I thought I wouldn’t get it. But I got it approved, I couldn’t believe it. Highly recommended.

Khalid B
Quick and easy!

I found the whole online process very easy and quick with great communication along the way. I am satisfied with the rate, however the key aspect for me was having no exit fees. I intend to pay the loan off quickly, so this was an important consideration. In summary, very impressed!

Darren, SA
No idea how grateful I am

I checked the reviews and they were amazing. I applied on Friday for a funeral and received acceptance on Monday morning. The rate is great and I just cant believe how quick I received a response. The most stressing time of my life and Pepper came around.

Telia, Queensland
Quick, easy, and great communication

Pepper Money helped me consolidate my debts into one loan. The process was so easy, I was actually shocked how quick it was. Everything was done online and I found it to be the best experience compared to other loans. If I ever need a loan in the future, I’d be applying to Pepper Money again.

Fezzy, ACT
Super loan company to deal with

Couldn't have been a smoother process. Super quick and easy, staff very efficient and easy to deal with. Loan approved and finalized within 2 days as promised. Great Loan rates too!

Andrea, Queensland

Important legal bits

'No fees' only applies to new loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.

+PERSONALISED RATES AND REPAYMENTS: The interest rate and repayments are based on personalised pricing. The final interest rate and repayments you are offered (if approved) may change based on your personal financial circumstances or security details provided. In some circumstances, we may require further information in order to provide a final interest rate and repayments (if approved).

Loan repayment terms range from 18 to 84 months for secured loans between $15,000 - $50,000. 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 6.75% p.a. (6.75% p.a. comparison rate), would equate to an estimated minimum total amount payable of $35,349.60 via the weekly payment option. Rates are subject to change.

Comparison rate is calculated on a secured loan of $30,000 for a term of 5 years. 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.

Get in touch with a Lending Specialist

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