Friends consider getting personal loan
Friends consider getting personal loan

Help make your goals a reality with personal lending

Whatever your goals, we could 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 $100,000, 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. 

 

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 not paying off your credit card debt in full every month or paying 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 paying less interest and managing just one payment.

 

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

   

 

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.

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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 $34,703.50 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.

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