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Pepper Money

Get a personal loan starting from 6.75%p.a. or a home loan from 2.85% p.a.

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Pepper Money

Pepper Money is a homegrown Australian non-bank lender which launched in 2000. It offers solutions for home loans, car loans, personal loans, loans for professional equipment and commercial loans to customers Australia-wide.

Its personal loans allow you to borrow up to $50,000, with a personalised rate starting from 6.75% p.a.

Compare Pepper Money personal loans

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Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Pepper Money Secured Personal Loan
Pepper Money logo
Fixed18 Months - 7 Years $15,000 - $50,000
Interest Rate (p.a.)
to 21.65%
Comp. Rate (p.a.)
to 21.65%
Application Fee
Monthly Fee
Monthly Repayment
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Congratulations, Pepper Money!

Pepper Money won the award for 'Personal Loans (Secured)' in the 2024 Product Awards.

Full list of 2024 winners

Pepper Money personal loans are available for a range of purposes, including:

  • Debt consolidation of payday lender debts
  • Weddings
  • Cars
  • Payout
  • Rental
  • Mortgage and credit arrears
  • Payment of defaults and judgements
  • Loans for business purposes

Features of Pepper Money personal loans

The following features are available with Pepper Money:

  • Rate estimate. Get an estimated rate based on some simple personal information before you apply.
  • Repayment calculator. Calculate your expected repayments to see what you can afford.
  • Range of loan purposes. Pepper Money loans are available for almost any legitimate purpose.
  • Secured and unsecured options. Depending on the type of finance you're looking for, how much you would like to borrow and your financial circumstances, Pepper may give you the option of a loan secured by an asset or not.
  • Quick application. You can apply online in just 10 minutes.
  • Quick approval. Pepper aims to get a decision as to whether or not your application has been approved to you within 5 hours.
  • Quick funding. If approved, funds should be in your account by the next business day.
  • Options for bad credit borrowers. Having a poor credit history can make getting a personal loan more difficult. With Pepper Money, an applicant's financial circumstances are considered on a case-by-case basis.

How to apply

To apply for a loan with Pepper, simply click "Go to site" to visit the lender directly and complete an application. Applicants for these loans will be required to:

  • Be aged 18 or over
  • Be an Australian citizen or permanent resident
  • Have some form of employment

Depending on the type of finance that you are applying for, other eligibility criteria may also apply.

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Written by


Bria Horne is a writer for Finder, with a specialist knowledge of personal loans, car loans and business loans. Originally from the UK, Bria has been a professional personal finance writer in Australia for over 2 years. She has an M.A and B.A in Philosophy and Literature from the University of Sussex, and previously worked on the UK’s leading hospitality publication. See full bio

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