Pepper Money Unsecured Fixed Rate Personal Loan

Get an unsecured or secured loan of up to $50,000.

Pepper Money offers an unsecured personal loan of $5,000 up to $50,000. The interest rate is fixed, meaning that your repayments will not fluctuate. You can receive conditional approval within minutes of applying. You can also secure this loan with an asset if you wish.

Things to consider about this product:

  • Tailored interest rate. Depending on the requested loan amount and your financial circumstances, interest rates range between 5.95% p.a. and 17.95% p.a. This means that you can get a low interest rate if your credit score is excellent. If it’s less then perfect, you will likely receive higher rates.
  • Extra repayments and early payments can be made without fees or penalties.
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From 5.95% (fixed)

Interest Rate (p.a.)

5.95%

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 5.95% (fixed)
Comparison Rate (p.a.)5.95%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
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 no establishment fee with this loan.

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 $50,000.
  • 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 5.95% p.a. and 17.95% 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

  • No fees. This loan has no upfront or ongoing fees.
  • Personalised rate. Rates are available from 5.95% p.a. based on your credit score and financial circumstances.

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

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10

You'll receive a variable rate from 5.75% p.a. to 25.99% p.a.

Borrow up to $50,000 and earn 1 Qantas Point for every $1 borrowed.

⭐Special Offer: Earn up to 50,000 Qantas Points with a personal loan from Symple.
Plenti Personal Loan

From 6.39% (fixed)
6.39%
$5,000
3 to 7 years
$0 to $999
$35
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile.
A flexible loan with amounts from $5,000 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Harmoney Unsecured Personal Loan

From 5.35% (fixed)
6.14%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 5.35% p.a. and 19.09% 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.
Alex Bank Personal Loan

From 4.99% (fixed)
4.99%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 4.99% 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. Note: The $295 establishment fee will be waived for loan applications submitted by 3 November 2021.
SocietyOne Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
2 to 5 years
from $0 to $595
$0
You'll receive a fixed rate between 5.95% p.a. and 19.99% 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.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

⭐ Finder Exclusive: Apply and settle a NOW Finance debt consolidation loan via Finder by 30 September 2021 for your chance to win $2000 paid off your debt. T&Cs apply.
OurMoneyMarket Personal Loan

From 5.45% (fixed)
6.07%
$2,001
1 to 7 years
From $250
$0
You'll receive a fixed rate from 5.45% 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.

⭐ Finder Exclusive: Apply before September 30th 2021 to secure a discounted rate of 5.45% p.a. (comparison rate: 6.07% p.a.) for the first 12 months on loans over $35,000. T&Cs apply.
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.
ANZ Fixed Rate Personal Loan
8.99% (fixed)
9.88%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 8.99% p.a. with a comparison rate of 9.88% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

⭐Special Offer: Secure a reduced interest rate of 8.99% p.a. for a limited time only. Apply for up to $50,000 to use for a variety of purposes without needing to add security.
MoneyMe Personal Loans

From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Wisr Personal Loan ($5,000 to $30,000)

From 6.49% (fixed)
6.49%
$5,000
3 to 7 years
$0 - Waived Establishment Fee
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% 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.

⭐Special Offer:The $595 establishment will be waived for unsecured personal loans between $5,000 and $30,000. Offer ends 30 September 2021. T&Cs apply.
Wisr  Personal Loan ($30,001 to $64,000)

From 6.49% (fixed)
7.11%
$30,001
3 to 7 years
$595
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $30,001 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
ANZ Variable Rate Personal Loan
10.50% (variable)
11.38%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 10.50% p.a. with a comparison rate of 11.38% p.a. if you're approved. Note: This rate may vary during the loan term.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
6.39%
$5,000
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 6.39% p.a and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $5,000 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
NAB Personal Loan Unsecured Variable Rate

From 6.99% (variable)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
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Personal Loan Offers

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

You'll receive a fixed rate between 5.35% p.a. and 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 8.99% 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.

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

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% 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 criteria when they accept and approve loans. This is however not disclosed to anyone. See our guide on how to avoid personal loan rejections. It should 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.

      Pepper Money is one of the lenders accepting applicants with average credit scores. You can apply for a loan as long as you meet the other eligibility criteria above. When you are ready, simply head to Pepper Money’s page to proceed with your application. Please ensure you review the relevant Product Disclosure Statements and Terms & Conditions to see if it is the right option for you.

      You can also check other personal loans for borrowers with an average 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 to our Pepper Money home loans comparison. 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

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