Check if you're eligible for a Pepper Money personal loan

If you tick all the following criteria, then you'll be able to apply for a personal loan with us.

  • Be an Australian citizen or permanent resident
  • Be 18 years or older
  • Have no defaults (paid or unpaid) or active payday loans
  • Not be current or prior bankrupt or have a court judgement
  • Centrelink can be used as a secondary income in conjunction with PAYG income
  • Require to pay the loan off between 18 and 84 months
  • Require a loan of between $5,000 and $50,000
  • Single & Joint borrowers
  • Be employed (not on Probation): Full time, part-time, self-employed (tenure more than 24 months) or casual (tenure more than 3 months)
  • Have acceptable identification, either an Australian passport (no more than 24 months expired), or a current Australian Drivers Licence.


Here's what documents you'll need to apply:

  • Front and back of your identification that you have used in your application 
  • Proof of your financial incomings, outgoings, and savings (such as bank statements)
  • Proof of your employment and income (such as payslips)
  • Details of any amounts owing, including other loans, credit/store cards and overdrafts
  • Details of your rent and/or mortgage payments
  • Proof of address


Ready to take the next step?

Get your personalised rate+ in just minutes. What's more, it won't affect your credit score.

Secured personal loan interest rates starting from
Interest rate*
Comparison rate#

The important legal bits

Information and interest rates are correct as of 13 September 2023 and subject to change at any time.

All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms and conditions, fees and charges apply.

Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

‘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.

* Pepper Money Unsecured Personal Loan interest rates range from  6.75%-26.95% p.a. (Comparison rates range from 6.75%-26.95% p.a.#) and Secured Personal Loan interest rates range from 6.75%-21.65% p.a. (Comparison rates range from 6.75%-21.65% p.a.#). The actual interest rate applicable will depend on the individual borrower’s circumstances and the information verified during the loan application assessment.

+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.

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