7.0/10

Based on 151 Pepper Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Pepper Money personal loans

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.

Pepper Money offers the following personal loans

Rates and fees verified as correct at 19 June 2024. Other information correct at the time of writing. Advertiser disclosure.
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
over 5 years

$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
over 5 years

$0.00

What personal loans do Pepper Money offer? 

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.

Pepper Money personal loan features at a glance

  • Repayment flexibility: All of Pepper Money's personal loans give you the option of choosing how to repay your loan. This can be on a weekly, fortnightly or monthly basis. This is a good feature as some personal loans only have a monthly option for loan repayments.
  • Save on fees: Pepper Money loans don’t have monthly service fees nor are there application or exit fees which means your repayments go into paying down your loan, not bank fees. There is also no early repayment penalty fee on the variable loan option.

How do you apply for a Pepper Money personal loan?

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

How are Pepper Money personal loans rated?

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.

Icon of personal-loans
Pepper Money personal loans customer reviews
Overall
6.0/10
Price
6.0/10
Features
6.0/10
Customer service
6.5/10
Convenience
7.0/10
Trust
6.3/10
Based on 8 Pepper Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Pepper Money personal loan reviews

Pepper Money Personal Loan
Overall 7/10
We were very happy with Pepper Loans the staff

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 review

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.

Price
8/10
Features
8/10
Customer service
9/10
Convenience
10/10
Trust
10/10
Less
Fatima, New South Wales, reviewed 9 months ago
Pepper Money Personal Loan
Overall 10/10
excellent service

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 review

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.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Jed, New South Wales, reviewed about 1 year ago
Pepper Money Personal Loan
Overall 8/10
Rang them....and was prompt on what I wanted done.

Prompt and to what suits you in life...

Read full review

Prompt and to what suits you in life...

Price
7/10
Features
7/10
Customer service
10/10
Convenience
7/10
Trust
7/10
Less
Mary ann, Queensland, reviewed about 1 year ago
Pepper Money Secured Loan
Overall 10/10
Excellent

All ways been a very pleasant experience dealing with Pepper money.

Read full review

All ways been a very pleasant experience dealing with Pepper money.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
John, New South Wales, reviewed over 2 years ago
See all personal loan reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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