Pepper Money Unsecured Personal Loan – Fixed

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Get approval for an unsecured fixed-rate loan with flexible repayment options.

If you’re looking for a competitive financing option, Pepper Money offers an unsecured personal loan through which you can apply for up to $40,000. You can receive conditional approval within minutes if you apply online and the interest rate is fixed for the whole loan term.

This loan also has the option to be secured by an asset. Secured loans are available from $15,000 to $50,000.

3 things you should know about this loan

  • Tailored interest rate. Depending on the requested loan amount and your financial circumstances, interest rates range between 6.95% p.a. and 17.95% p.a.
  • Fees. An establishment fee of 4% of the loan amount, capped at $495 applies to this loan.
  • Additional and early payments can be made penalty-free. There is also a $0 fee to repay the loan early.


From 6.95% (fixed)

Interest Rate (p.a.)

8.57%

Comparison Rate (p.a.)

$5,000

Min Loan Amount

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Details

Product NamePepper Money Unsecured Fixed Rate Personal Loan
Interest Rate (p.a.)
From 6.95% (fixed)
Comparison Rate (p.a.)8.57%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$40,000
Loan SecurityUnsecured

Factors to consider when deciding on the Pepper Money unsecured personal loan

This is a fixed rate loan that has the option of being unsecured or secured by an asset, depending on your preference and/or circumstances. There is an establishment fee with this loan of 4% of the loan amount, capped at $495. An administration fee of $3 per week, or $6 per fortnight also applies. Loan customers can choose to make additional repayments and repay their loan early, penalty-free.

Features of the Pepper Money unsecured personal loan

If you're interested in applying for this loan, here are some of its features:

  • Unsecured loan. Unsecured loans are available for amounts between $5,000 and $40,000.
  • Secured loan. Secured loans are available from $15,000 to $50,000. Approved securities include new and used cars, motorbikes, boats, jet skis or caravans
  • Loan term. Unsecured loans of $5,000 to $7,999 are available on terms of between 1.50 years and 3 years. Loans of $8,000 and above can be repaid over a period of of up to 7 years. All secured loans are available on terms of 1.50 years to 7 years.
  • Fixed interest. The interest rate is fixed for the term of the loan. Repayments remain unchanged until the end of the loan period. Interest is fixed at between 6.95% p.a. and 19.53% p.a.Quick application. You can apply for this loan online and be approved conditionally within a few minutes of your submission.
  • Loan purpose. This loan cannot be used for paying out mortgages or credit arrears, defaults, business purposes or tax debt.
  • Repayments. This loan is repaid weekly, fortnightly or monthly. You have the option to make additional repayments penalty-free. If you'd like to repay the loan early, you will not be charged a fee.
  • Responsible lending. Pepper Money subscribes to responsible lending, which means that you won't be approved for a loan that you can't afford to repay.

Fees and charges

  • Establishment fee. An establishment fee of 4% of the loan amount applied to this loan. This fee is capped at $495.
  • Security registration fee. A fee of $20 applied to secured loans.
  • Account administration fee. A fee of 4% per month applies to this loan. This fee can be paid as $3 per week or $6 per fortnight.

How to apply for the Pepper Money unsecured personal loan

If you're ready to apply for this loan, click "Go to Site" on this page to get the application process started. Keep in mind you need to meet the following criteria to apply:

  • You must be at least 18 years old.
  • You must be able to repay the credit.
  • You must be an Australian citizen or permanent resident.

You will be asked to submit the following to support your application:

  • Payslips
  • Bank statements
  • Positive identification including a driver's licence or passport

Pepper Money employs a few online services to assess your financial circumstances, including bank statement retrieval, identity verification and credit checks. You can also save an incomplete application and retrieve it later.

This type of loan can do a lot to solve cash flow problems, but it's important to make sure that you're in a position to repay the loan you want. There are always alternative solutions, so shop around before making any binding commitments.

Compare other personal loans

Data indicated here is updated regularly
$
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Symple Loans Personal Loan

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from 0% to 5% of the loan amount
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Plenti Fixed Rate Personal Loan

From 5.99% (fixed)
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A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.99% (fixed)
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from 0% to 5% of the loan amount
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A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
SocietyOne Unsecured Personal Loan (5 years)

From 7.99% (fixed)
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from 0% to 5% of the loan amount
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A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Alex Personal Loan

From 6.95% (fixed)
6.95%
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$0 (waived $295)
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You'll receive a fixed interest rate from 6.95% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Benefit from no ongoing fees. Note: Waived $295 establishment fee for all applications submitted before 15 February 2021.
ANZ Fixed Rate Personal Loan
10.50% (fixed)
11.38%
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You'll receive a fixed rate of 10.50% p.a. ( comparison rate 11.38% p.a. )
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
7.79%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
CUA Unsecured Fixed Rate Personal Loan
9.39% (fixed)
9.64%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.39% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
NAB Personal Loan Unsecured Fixed

From 9.99% (fixed)
10.88%
$5,000
1 to 7 years
$150
$10
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An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
OurMoneyMarket Personal Loan

From 6.75% (fixed)
6.96%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 6.75% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.
ANZ Variable Rate Personal Loan
12.99% (variable)
13.86%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate of 12.99% p.a. ( comparison rate 13.86% p.a. )
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.
Wisr Personal Loan

From 7.95% (fixed)
8.22%
$5,000
3 to 5 years
$195 (Establishment Fee)
$0
You'll receive a fixed rate between 7.95% p.a. and 19.45% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
Plenti Variable Rate Personal Loan

From 5.59% (variable)
6.25%
$2,001
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$0
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CUA Unsecured Variable Personal Loan
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$175
$0
You'll receive a variable rate of 11.89% p.a.
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NAB Personal Loan Unsecured Variable Rate

From 9.99% (variable)
10.88%
$5,000
1 to 7 years
$150
$10
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NOW Finance No Fee Unsecured Personal Loan

From 6.95% (fixed)
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Compare up to 4 providers

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 10.5% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants. Note: These rates are available until 2 February 2021. Credit, eligibility criteria and terms & conditions apply.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.88% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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20 Comments

    Default Gravatar
    Dan
    February 19, 2019

    What’s the termination/exit fees if i decide to payout early?

      Default Gravatar
      Nikki
      February 20, 2019

      Hi Dan,

      Thanks for getting in touch! We don’t have any information on exit/early termination fees from this loan but you’ll surely be able to obtain information when you contact Pepper Money. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

    Default Gravatar
    Isaiah
    February 4, 2019

    I am 18 years old and I am entering university. I’am holding an NZ passport. Unfortunately, I can’t avail for HECs of fee assist. I’m only on my 6 years here in Australia. I don’t have a credit card or credit history. I am working as casual but looking for a part time permanent part time job to further support my studies. Is it possible to apply for a personal loan to support my whole course in the uni?

      Avatarfinder Customer Care
      Jeni
      February 9, 2019

      Hi Isaiah,

      Thank you for getting in touch with finder.

      As per this page, Pepper Money’s loan application requirements are:

      -You must be at least 18 years old.
      -You must be able to repay the credit.
      -You must be an Australian citizen or permanent resident.

      If you believe that you’re able to repay the loan and pass the eligibility criteria as well as having supporting documents such as payslips from your part time job, bank statement and proof of ID, kindly click on the go to site button to be redirected to their official page to learn more on their products and even start your online application. Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    Neil
    November 29, 2018

    A bank is refusing to lend me some money after I got into financial situation and they are telling me to credit file check and I just checked your site and nothing’s wrong hoe can I get more info about this

      Default Gravatar
      Nikki
      November 29, 2018

      Hi Neil,

      Thanks for getting in touch! Lenders have different criterias when they accept and approve loans. This is however not disclosed to anyone. Here is a page that will help you apply for a personal loan in the future. See to it that you have all the required documents needed by the lender and be sure that you meet the eligibility criteria. A good credit score is always ideal as well. Hope this helps!

      Best,
      Nikki

    Default Gravatar
    Guy
    October 15, 2018

    Can I get a personal loan with a credit rating of 650+ or is there no point trying.

      Default Gravatar
      Nikki
      October 15, 2018

      Hi Guy,

      Thanks for your inquiry and for visiting our page.

      You are free to apply for a personal loan with Pepper Money. It is important that you review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the product disclosure statement of the product and contact the lender should you need any clarifications about the card.

      Here is also a handy page that explains what you should do with a good credit score.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Regards

    Default Gravatar
    Wendy
    August 21, 2018

    Can I have home loan with peppers?

      Avatarfinder Customer Care
      Jeni
      August 21, 2018

      Hi Wendy,

      Thank you for getting in touch with finder.

      Yes Wendy. Pepper Money has a wide range of loan solutions designed for each individual’s needs. For your home loan enquiry, you may refer on this page. On that page, you would see that self-employed or having bad credit can get a home loan with Pepper Money.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    APP0000077884
    August 3, 2018

    I need to get my application form online to add documentation to it.

      Default Gravatar
      Joel
      August 3, 2018

      Hi there,

      Thanks for leaving a question on finder.

      You can pick up from where you left off in your Pepper Money loan application if you click HERE. Please note that you’ll need your personal loan application code handy. You will find your application code in the email or sms they sent to you when saving your application.

      Cheers,
      Joel

    Default Gravatar
    Nola
    October 27, 2017

    I am looking for a lender that will lend small amount of money to a pensioner.

      Default Gravatar
      Jonathan
      October 27, 2017

      Hi Nola,

      Thank you for your inquiry. We understand that you need some funds as a pensioner.

      You may consider pensioner loans listed on our page. On the list, we have both banks and non-bank institutions that can help you. Take note that each lender has an eligibility requirements and has varying loan terms, so it is important that you check their Loan Agreement or speak to a loan specialist for clarification.

      Alternatively, we have personal loan brokers who can comprehensively assess your circumstances and lending needs. You may consult to one of them if you find that helpful.

      Let us know if you need anything else.

      Cheers,
      Jonathan

    Default Gravatar
    Tara
    September 11, 2017

    Looking for a debt consolidation loan, that accepts a bad credit rating (from payments being a couple days late – always paid though) I know credit rating affects a lot of loans. It’s easier to pay 200 or so a week compared to 550+ with all separate bills. Would this be an option?

      Avatarfinder Customer Care
      Harold
      September 11, 2017

      Hi Tara,

      Thank you for your inquiry.

      Regarding debt consolidation you may want to consider the following options here.

      I hope this information has helped.

      Cheers,
      Harold

    Default Gravatar
    Em
    August 21, 2017

    I want to consolidate credit cards, small personal
    Loans and arrears in my bills. Is this a feasible reason to apply for a personal loan?

      Default Gravatar
      Maria
      August 22, 2017

      Hey Em,

      Thank you for reaching out to us.

      It’s possible to apply for a loan to consolidate debt.
      You may find useful information on our page on Debt Consolidation Loans.

      I hope this helps.

      Cheers!
      Maria

    Default Gravatar
    Matthew
    July 22, 2017

    how man payslips do i need to provide?

      Default Gravatar
      Jonathan
      July 22, 2017

      Hi Matthew,

      Thank you for sending your inquiry today. :)

      Usually, lenders require two most recent payslips. But take note, that internal credit guidelines may require you to provide additional documentation as deemed by them.

      Hope this helps.

      Cheers,
      Jonathan

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