The details shown below are for a fixed loan between $15,001 and $50,000
The details shown below are for a fixed loan between $5,000 and $15,000
Choose the version of this loan that suits you best
| Loan type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
| | Fixed | Personal Loan (Fixed, Unsecured) | $15,001 | $50,000 |
| | Fixed | Personal Loan (Fixed, Unsecured, up to $15,000) | $5,000 | $15,000 |
Loan: $15,001 $50,000
Loan: $5,000 $15,000
If you’re looking for a competitive financial option to pay for that trip to Europe or your dream wedding just around the corner, Pepper Money offers an unsecured personal loan which allows consumers to borrow between $5,000 and $50,000. Interest rates start at 5.95% (5.95% comparison rate*) but depending on your credit history, rates can go as high as 17.95% (17.95% comparison rate*).
Pepper Money’s Personal Loan gives borrowers the chance to lock in their repayments with the security of a fixed interest rate based on their credit history. Rates start from 5.95% (5.95% comparison rate*) but can go up to 17.95% (17.95% comparison rate*).
How much will you be able to borrow? Well, loans start from $5,000 and go as high as $50,000, so you'll be able to use the loan to cover any number of financial needs from taking on a home renovation to travelling overseas.
Borrowers can also choose from a range of loan terms depending on their loan size with a minimum term is 18 months and a maximum loan term of: 36 months (loans up to $7,999) or 84 months (loans up to $50,000).
This could be an option to consider for anyone needing the money to pay for something now such as an upcoming holiday or new kitchen, and then pay it back overtime. As Pepper Money is an online lender you can apply from the comfort of your own home and from any device and Pepper’s quick application process only takes 10 minutes to complete.
| Fixed | |
| 5.95% p.a.to 17.95% p.a. fixed | |
| 6.88% p.a.to 18.74% p.a.based on $30,000 |
| $0.00 | |
| $13.00 | |
| $50.00 | |
| $0.00 | |
| 0 |
| $15,001.00 | |
| $50,000.00 | |
| 2 Years | |
| 7 Years | |
| Unsecured |
| Weekly, Fortnightly | |
| yes | |
| no | |
| Establishment fee is 4% of loan amount, capped at $495. 4-7 year terms only available for loans over $7,999. | |
| none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
| Fixed | |
| 5.95% p.a.to 17.95% p.a. fixed | |
| n/a |
| $0.00 | |
| $0.00 | |
| $50.00 | |
| $0.00 | |
| 0 |
| $5,000.00 | |
| $15,000.00 | |
| 2 Years | |
| 7 Years | |
| Unsecured |
| Weekly, Fortnightly | |
| yes | |
| no | |
| 4-7 year terms only available for loans over $7,999. | |
| none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Look, I knew what I was getting into regarding rates and repayments. However, what I didn’t realise is how bad it was on the following: - no transparency at all. Online banking auto selected but they never actually set me up. I have rung a few times and none of the staff actually address this. - no actual care for your situation. This shocked me. Their focus is on sell the product, let it run, send it to collections as quickly as possible. There is no middle ground. - lied at application point. They are a rate switcher. They discussed on the telephone with me my request. 4 year loan, rate of 9.55%. Application approved, four years later find out it is a 5 year loan at 18.95% That ok, my fault. Should have checked right? Except when you apply they sign you up and give you online aces to an application portal, you set up your profile, your password, complete your app… real smooth and easy. Then you are approved, you log in and accept and at that point, you have no access to online banking because the sign in you had was for your app only. They don really explain or clarify this. So I kept ringing with the wrong access number. Be very wary.
Read full reviewLook, I knew what I was getting into regarding rates and repayments. However, what I didn’t realise is how bad it was on the following: - no transparency at all. Online banking auto selected but they never actually set me up. I have rung a few times and none of the staff actually address this. - no actual care for your situation. This shocked me. Their focus is on sell the product, let it run, send it to collections as quickly as possible. There is no middle ground. - lied at application point. They are a rate switcher. They discussed on the telephone with me my request. 4 year loan, rate of 9.55%. Application approved, four years later find out it is a 5 year loan at 18.95% That ok, my fault. Should have checked right? Except when you apply they sign you up and give you online aces to an application portal, you set up your profile, your password, complete your app… real smooth and easy. Then you are approved, you log in and accept and at that point, you have no access to online banking because the sign in you had was for your app only. They don really explain or clarify this. So I kept ringing with the wrong access number. Be very wary.
Pepper was easy to deal with. They made my application hassle free, quick and their customer service was excellent.
Read full reviewPepper was easy to deal with. They made my application hassle free, quick and their customer service was excellent.
Absolutely no customer consideration. My income has been severely impacted as a result of the bushfires in January then Covid-19 for the rest of the year. This doesn’t seem to register with Pepper. They seem to think money can be plucked out of thin air. Disgusted with their lack of compassion for people’s circumstances. Would never deal with or recommend this company - they are the worst.
Read full reviewAbsolutely no customer consideration. My income has been severely impacted as a result of the bushfires in January then Covid-19 for the rest of the year. This doesn’t seem to register with Pepper. They seem to think money can be plucked out of thin air. Disgusted with their lack of compassion for people’s circumstances. Would never deal with or recommend this company - they are the worst.
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4.99% p.a.to 19.99% p.a.
4.99% p.a.to 19.99% p.a.based on $30,000
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Plenti
Unsecured Personal Loan (Fixed)
6.39% p.a.to 7.49% p.a.
6.39% p.a.to 8.19% p.a.based on $30,000
over 5 years
Harmoney
Unsecured Personal Loan
5.35% p.a.to 19.09% p.a.
6.14% p.a.to 19.99% p.a.based on $30,000
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SocietyOne
Unsecured Personal Loan (Fixed)
5.95% p.a.to 10.49% p.a.
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