Pepper Money Unsecured Personal Loan – Fixed

Last updated:  

Get approval for an unsecured fixed-rate loan with flexible repayment options and no monthly fees.

If you’re looking for a competitive financing option, Pepper Money offers an unsecured personal loan through which you can apply for up to $50,000. You can receive conditional approval within minutes if you apply online and the interest rate is fixed for the whole loan term.

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 9.99% p.a. and 27.99% p.a.
  • Low fees. There are no application fees or monthly fees charged with this loan, helping to keep your ongoing repayments manageable.
  • Additional and early payment penalties apply. A break fee of $150 applies if you make extra repayments that exceed the amount of three repayments. There is also a $300 fee to repay the loan early.

From 9.99% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NamePepper Money Unsecured Fixed Rate Personal Loan
Interest Rate (p.a.)From 9.99% (fixed)
Comparison Rate (p.a.)9.99%
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 an unsecured loan, which means that you don’t have to guarantee the loan amount with valuable assets. No establishment or monthly fees apply, but you will be charged a $150 fee if you make additional repayments that exceed an amount equal to three repayments. You may also be charged a $300 if you repay the loan early.

You can apply for this loan with a variable interest rate where additional repayments can be made without penalty.

Features of the Pepper Money unsecured personal loan

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

  • Loan amount. This loan is available for amounts between $5,000 and $50,000.
  • Loan term. You can repay this loan over a period of between 1 year and 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 9.99% p.a. and 27.99% p.a.
  • Quick application. You can apply for this loan online and be approved conditionally within a few minutes of your submission.
  • Unsecured. No assets are required to secure the loan amount.
  • Loan purpose. This loan can be used for any purpose, from paying for a wedding to travel or home improvements.
  • Repayments. This loan is repaid weekly, fortnightly or monthly. You have the option to make additional repayments, but you will be charged a break fee of $150 if the extra repayments exceed an amount equal to three repayments or more. If you’d like to repay the loan early, you will be charged a fee of $300.
  • 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.

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.

Personal Loan Offers

Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 31 March 2020.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

Logo for ING Personal Loan
ING Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Ask an expert

To ask a question simply log in via your email or Facebook or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


  1. Default Gravatar
    February 19, 2019

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

    • AvatarStaff
      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.


  2. Default Gravatar
    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?

    • AvatarStaff
      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!


  3. Default Gravatar
    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

    • AvatarStaff
      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!


  4. Default Gravatar
    October 15, 2018

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

    • AvatarStaff
      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.


  5. Default Gravatar
    August 21, 2018

    Can I have home loan with peppers?

    • AvatarStaff
      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!


  6. Default Gravatar
    August 3, 2018

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

    • Default Gravatar
      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.


  7. Default Gravatar
    October 27, 2017

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

    • Default Gravatar
      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.


  8. Default Gravatar
    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?

    • AvatarStaff
      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.


  9. Default Gravatar
    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
      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.


  10. Default Gravatar
    July 22, 2017

    how man payslips do i need to provide?

    • Default Gravatar
      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.


Ask a question
Go to site