Ready to take the next step?
It takes 2 minutes to get your personalised rate. Then, you can apply online and get a response in 2 minutes. If your application is approved, you can start making your goals a reality.
Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers.
Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers.
Having trouble with repayments? We’re here to help.
If life’s taken an unexpected turn and your loan repayments feel hard to manage, you’re not alone.
We work with customers every day who are going through tough times, and we’re here to help you understand your options.
Watch the video to hear how we support customers, and what you can do next.
Going through a tough time?
Let’s talk.
When things don’t go to plan, managing your finances can feel overwhelming. The good news is you don’t have to handle it on your own.
Watch the video to learn how we support customers experiencing financial difficulty, and where to find help that’s right for you.
Going through a tough time?
Let’s talk.
When things don’t go to plan, managing your finances can feel overwhelming. The good news is you don’t have to handle it on your own.
Watch the video to learn how we support customers experiencing financial difficulty, and where to find help that’s right for you.
Step 1.
Get your rate
Step 1.
Get your rate
Step 2.
Apply online
Step 3.
Get an answer
Our home loan
application process
Get your rate
Less than 5 minutes
Find out your indicative interest rate and estimated repayments˅ by answering a few simple questions.
Apply online
Less than 20 minutes
Eligible customers with a PAYG income can apply online to refinance or purchase a new property.
Get an answer
Within 2 business days
Our dedicated team will review your application and be in touch with next steps.
Our home loan
application process
Get your rate
Less than 5 minutes
Find out your indicative interest rate and estimated repayments˅ by answering a few simple questions.
Apply online
Less than 20 minutes
Eligible customers with a PAYG income can apply online to refinance or purchase a new property.
Get an answer
Within 2 business days
Our dedicated team will review your application and be in touch with next steps.
Our home loan application process
1. Get your rate
Less than 5 minutes
Find out your indicative interest rate and estimated repayments˅ by answering a few simple questions.
2. Apply online
Less than 20 minutes
Eligible customers can apply online to refinance or purchase a new property.
3. Get an answer
Within 2 business days
Our dedicated team will review your application and be in touch with next steps.
Ready to apply?
Check out our home loan application checklist.
It’s a simple way to feel confident, stay organised, and know exactly what to expect at every step.
Prefer to talk to a home loan specialist?
Leave us your details and we'll call you in one business day to answer all your questions.
Can’t wait? If you'd like to speak to us sooner,
give us a call on 137 377.
Our home loan
application process
Get your rate
Less than 5 minutes
Find out your indicative interest rate and estimated repayments˅ by answering a few simple questions.
Apply online
Less than 20 minutes
Eligible customers with a PAYG income can apply online to refinance or purchase a new property.
Get an answer
Within 2 business days
Our dedicated team will review your application and be in touch with next steps.
Prefer to talk to a home loan specialist?
Leave us your details and we'll call you in one business day to answer all your questions.
Can’t wait? If you'd like to speak to us sooner, give us a call on 137 377.
Can’t wait? If you'd like to speak to us sooner, give us a call on 137 377.
Prefer to talk to a home loan specialist?
Leave us your details and we'll call you in one business day to answer all your questions.
Can’t wait? If you'd like to speak to us sooner, give us a call on 137 377.
Can’t wait? If you'd like to speak to us sooner, give us a call on 137 377.
Our range of home loan options
Self-employed? First home buyer? Less than perfect credit rating? We understand everyone’s real-life situation is different. That’s why we keep our thinking flexible and offer a wide range of home loan options.
-
Prime
-
Near Prime Clear
-
Near Prime
-
Specialist
Prime Home Loan Option
Our option for those with a mostly clean credit history.
Variable interest rates starting from:
6.84
%
p.a.
Interest rate*
7.02
%
p.a.
Comparison rate^
For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR.
- Consolidate up to 4 debts
- Flexible cash out options
- Vacant land considered
- Maximum loan size of $2M
- Minor defaults under $500 considered
- 1 form of income verification for Alt Doc loan option
Near Prime Clear Home Loan Option
Our option for those with mostly clean credit history who need greater flexibility.
Variable interest rates starting from:
7.24
%
p.a.
Interest rate*
7.50
%
p.a.
Comparison rate^
For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR.
- No limit on the number of debts to be consolidated
- Paid/unpaid defaults up to $1,000 considered
- Vacant land considered
- Maximum loan size of $2.5M and up to 40-year loan terms
- 1 year financial statement on Full Doc loan option
- 1 form of income verification for Alt Doc loan option
Near Prime Home Loan Option
Our option for those who need greater flexibility and may be recently self-employed.
Variable interest rates starting from:
7.64
%
p.a.
Interest rate*
7.90
%
p.a.
Comparison rate^
For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR.
- No limit on the number of debts to be consolidated
- Up to 40-year loan terms
- Discharged bankrupt (1 day)
- 2 years financial statements on Full Doc loan option
- 1 form of income verification for Alt Doc loan option
- ABNs from 12 months (clean credit)
Specialist Home Loan Option
Tricky circumstances or life events?
We may still be an option.
Variable interest rates starting from:
8.44
%
p.a.
Interest rate*
8.73
%
p.a.
Comparison rate^
For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR.
- No limit on the number of debts to be consolidated
- Discharged bankrupt (1 day)
- Mortgage arrears within the last 6 months accepted
- Accept defaults registered less than 12 months ago
- 1 form of income verification for Alt Doc loan option
- ABNs from 6 months
The important legal bits
Information and interest rates are correct as of and subject to change at any time.
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 licenced financial or tax adviser.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. If there are two or more applicants, the circumstances of the other applicants can affect Pepper Money's decision regarding any formal loan application.
‡ Outcomes will vary depending on individual circumstances.
*Our interest rates:
Pepper Money variable interest rates range from % p.a. - % p.a. (Comparison rates range from % p.a. - % p.a.^).
Pepper Money 2-year fixed interest rates range from % p.a. - % p.a (Comparison rates range from % p.a. - % p.a.^).
The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.
^Comparison rate is calculated on a secured loan of $150,000 for a term of 25 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.
˅An indicative interest rate and estimated repayments are not a formal approval for a loan, so don’t enter any financial commitments based on it. They are a guide only, based on the basic information you provide and the credit score we obtain for the primary application and is not a suggestion or recommendation of any loan product.
~The results of the home loan repayment calculator are based on information you have provided in the calculator including a selected interest rate, loan term and loan amount and is to be used as a guide only. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated home loan repayments is based on the assumption that interest rates remain constant for the chosen loan term. The output of the calculator is subject to the assumptions in the calculator (see 'about this calculator') and subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. Your interest rate, repayments and interest payable will be different when you complete a full application and we capture all details relevant to our responsible lending assessment. The results of this calculator does not take into account loan setup or establishment or monthly administration fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widget Works.
+Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).
The important legal bits
Information and interest rates are correct as of 27 August 2024 and subject to change at any time.
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 licenced financial or tax adviser.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
*Our interest rates:
Pepper Money variable interest rates range from 6.84% p.a. - 12.19% p.a. (Comparison rates range from 7.02% p.a. - 12.34% p.a.^)
Pepper Money 2-year fixed interest rates range from 6.59% p.a. - 11.94% p.a. (Comparison rates range from 6.97% p.a. - 12.20% p.a.^).
The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.
^Comparison rate is calculated on a secured loan of $150,000 for a term of 25 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.
˅An indicative interest rate and estimated repayments is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.
~The results of the home loan repayment calculator are based on information you have provided in the calculator including a selected interest rate, loan term and loan amount and is to be used as a guide only. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated home loan repayments is based on the assumption that interest rates remain constant for the chosen loan term. The output of the calculator is subject to the assumptions in the calculator (see 'about this calculator') and subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. Your interest rate, repayments and interest payable will be different when you complete a full application and we capture all details relevant to our responsible lending assessment. The results of this calculator does not take into account loan setup or establishment or monthly administration fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widget Works.
+Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).
Financial Support
Need help with your repayments?
Let us know sooner rather than later.
Calling from overseas? +61 2 7227 1517
Contributor
Sarah Pikardt | General Manager, Marketing and Brand
Sarah joined Pepper Money in 2011 and was appointed to General Manager, Marketing and Brand in 2021. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience.
Sarah Pikardt | General Manager, Marketing and Brand
Sarah joined Pepper Money in 2011 and was appointed to General Manager, Marketing and Brand in 2021. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience.
Sarah Pikardt | Contributor
Sarah joined Pepper Money in 2011 and was appointed to General Manager, Marketing and Brand in 2021. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience.
Sarah Pikardt, Contributor
Sarah joined Pepper Money in 2011 and was appointed to General Manager, Marketing and Brand in 2021. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience.
Contributor | Sarah Pikardt, General Manager, Marketing and Brand
Sarah joined Pepper Money in 2011 and was appointed General Manager, Marketing and Brand in 2021. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience. Read more.
Get your personalised rate in just minutes. What's more, it won't affect your credit score.
Secured personal loan interest rates starting from
%
p.a.
Interest rate*
%
p.a.
Comparison rate#
Secured Personal Loan
-
Interest rates
-
Secured fixed interest rates and comparison rates from % - % p.a.*#
-
Application process
-
10 minutes online, or call us on 1300 108 794
-
Loan term
-
18 - 84 months^
-
Loan amount
-
$15,000 - $50,000
-
Funds availability
-
Next business day following approval (subject to your bank's direct credit processing times)
-
Repayment type & frequency
-
Pay by Direct Debit in weekly or fortnightly installments
-
Fees and charges
-
We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
- Security registration fee | $0
Unsecured Personal Loan
-
Interest rate
-
Unsecured fixed interest rates and comparison rates from % - % p.a.*#
-
Application process
-
10 minutes online, or call us on 1300 108 794
-
Loan term
-
18 - 84 months^
-
Loan amount
-
$5,000 - $50,000
-
Funds availability
-
Next business day following approval (subject to your bank's direct credit processing times)
-
Repayment type & frequency
-
Pay by Direct Debit in weekly or fortnightly installments
-
Fees and charges
-
We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
The important legal bits
Information and interest rates are correct as of 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 % - % p.a. (Comparison rates range from % - % p.a.#) and Secured Personal Loan interest rates range from % - % p.a. (Comparison rates range from % - % 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.
