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 $100,000, with a personalised rate starting from 6.45% p.a.
Compare Pepper Money personal loans
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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.
Congratulations, Pepper Money!
The Pepper Money No Fee Unsecured Personal Loan was highly commended for Best Unsecured Personal Loan in the 2025 Finder Awards.
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.
Bria Horne was 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
If you are budget-conscious and looking for a personal loan with clear expectations and repayments, the ANZ Fixed Rate Personal Loan is an option worth considering. With low fees and a competitive interest rate, this loan might be an option for you.
The ANZ Variable Rate Personal Loan may be a great choice for borrowers who want options. With a free redraw facility and the option to make additional repayments, borrowers get the comfort of a personal loan that will let them access much-needed funds.
Find a low interest loan by comparing your options with Finder. See interest rates, fees, and features for loans across Australia, plus guides to help you get the best deal.
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