| Product | Interest rate from | Comparison rate from | Upfront fee |
|---|---|---|---|
| Personal Loan (Fixed, Unsecured) |
6.75% p.a.to 26.95% p.a. |
6.75% p.a.to 26.95% p.a.based on $30,000 |
$0.00 |
| Secured Loan (Fixed) |
6.75% p.a.to 21.65% p.a. |
6.75% p.a.to 21.65% p.a.based on $30,000 |
$0.00 |
Pepper Money is a non-bank lender, and has a range of personal loans available for every borrowing need from a new car, trip overseas, or wedding. With variable and fixed interest rate options to choose from there is bound to be the right loan option for you. Below you’ll find the details of Pepper’s range of personal loans, you can also head over to our personal loan hub if you want to compare its rates with other banks and lenders in our database.
Unsecured Fixed Rate Personal Loans
Pepper Money's fixed rate option is available with its unsecured personal loan allowing you to borrow between $5000 and $50,000 over a term of 1-7 years. The fixed rate loan comes with the flexibility of repaying your loan amount either weekly, fortnightly or monthly. However, no redraw facility or extra repayments are available with this loan and while you'll benefit from always knowing what your next repayment amount is going to be for the life of the loan, it's important to note that making an early repayment may incur an early repayment penalty fee. Other fees also include a small late payment fee but no upfront, application, service or exit fees; therefore letting you to save on these added costs.
Unsecured Variable Rate Personal Loans
With Pepper Money's unsecured variable rate option, you can choose to make repayments weekly, fortnightly or monthly and still borrow between $5,000 to $50,000. Loan terms are between 1 to 7 years. And, while there is no redraw facility or extra repayments option, you can save on upfront, application, service or exit fees and you won’t incur a penalty for early repayments. But make sure to automate your repayments as there is a small late payment fee.
If you've done your research and decided that Pepper Money is the right loan for you, you can complete your application online by providing the following details to the bank:
1) Personal information
2) Income and expenses
3) Verification and ID
Mozo users have rated Pepper Money personal loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
We were very happy with Pepper Loans the staff were very helpful and always listened to our needs, and they would ring, you back or send you an email so that we could understand what was going on. Always very pleasant, and pleasant to deal with, I would recommend them to anyone.
Read full reviewWe were very happy with Pepper Loans the staff were very helpful and always listened to our needs, and they would ring, you back or send you an email so that we could understand what was going on. Always very pleasant, and pleasant to deal with, I would recommend them to anyone.
well this was my first time using Pepper Money & they were great to deal with, communication & product services were outstanding. i will definitely use Pepper Money again in the near future. thanks again Pepper Money.
Read full reviewwell this was my first time using Pepper Money & they were great to deal with, communication & product services were outstanding. i will definitely use Pepper Money again in the near future. thanks again Pepper Money.
Prompt and to what suits you in life...
Read full reviewPrompt and to what suits you in life...
All ways been a very pleasant experience dealing with Pepper money.
Read full reviewAll ways been a very pleasant experience dealing with Pepper money.