Realise your dreams with personal lending
Whether it’s painting your house, paying out debts or cash for a renovation – our personal lending solutions could help you achieve your dreams sooner. Consolidate your debts, finance your holiday or access cash to fund your ambitions – the choice is yours.
I'm looking to fund my...
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Personal Loan
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Debt Consolidation
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Renovation
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Holiday
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Home Furnishings
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Car Repairs
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Wedding
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Medical Expenses
Fund your ambition with a personal loan
Personal loans give you the flexibility you need to fund your ambitions. With loans available from $5,000 to $50,000, a Pepper Money Personal Loan can be used for almost anything; treat yourself to a holiday, fund a hobby or invest in improving your home. Apply online today to get a rate based on your circumstances.
Take out a personal loan today
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Reshape your finances
Would you know if you’re paying too much interest? It’s possible that if you’re paying off credit card debt or other high-interest lines of credit, you could save on interest and reduce your monthly repayments by taking out a personal loan for debt consolidation. This could mean managing just one payment, or paying less in interest so you can get out of debt faster.
Consolidate your debts today
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Looking to renovate your home?
Love your home, but dreaming of a new bathroom or kitchen? Or maybe you could really do with air-conditioning. Regardless of what you want to achieve, our personal loans can help you realise your renovation ambitions. We’ll let you focus on designing interiors instead of worrying about the finances.
Helping finance your renovations
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Dreaming of a getaway?
It’s time to book your tickets and pack your bags – that dream holiday is about to become a reality. A personal loan could let you finally book that holiday you’ve always wanted, and – it could even be cheaper than putting it on a credit card.
Helping you finance that dream holiday
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Make your house a home
Whether it’s time to invest in a quality piece, or something special has caught your eye, don’t let a lack of funds hold you back. A personal loan could help fund the new furniture or appliances you need to bring your home furnishing and styling vision to life.
Helping you finance that dream piece for your home
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Get back on the road quicker
Need to get back on the road after a car breakdown, or restore your vintage pride and joy? A personal loan could help you get there; with unsecured loans starting from just $5,000.
Helping you finance that needed car repair
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
It's time to say 'I do'
While we can’t take all the stress out of getting married, we can help ease some of the financial pressure. Weddings often require a lot of upfront investment, putting a lot of pressure on your family or soon-to-be partner. A personal loan could help ease some of the strain, meaning less time saving and more time to enjoy the experience.
Helping you tie the knot sooner
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Get the care you need now
Need to fund a medical or dental procedure? If you don’t have the funds upfront, a Pepper Money personal loan could help get you back to your best self sooner. Apply online today to get your personalised rate+ based on your circumstances.
Helping you finance your medical care
Ready to take the next step?
Get started with our no fee personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
I'm looking to finance my...
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Car
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EV
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Caravan
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Watercraft
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Bike
Get behind the wheel sooner
We all love that new car smell, and what better way to get there sooner than with a little help from our car financing. If you’re buying second hand – either privately or through a dealership, then we can still help finance your ride; just choose your repayment terms and hit the road.
Finance your car with us
- Flexible deposit options
- Lower your repayments with a balloon payment
- Fixed interest rate
Looking to buy a new car?
We’ve partnered with carconnect, Australia’s largest online car buying platform, to help save you time, money and hassle when buying your next new car.
- Find your next car with ease
- Pocket big savings
- Trade ins solved
Embrace the electric revolution
Our electric vehicle financing is as innovative as your new car itself. You’ll also benefit from no ongoing monthly fees. Being green never felt so good.
Finance your EV with us
- Flexible deposit and balloon options available
- No monthly account keeping fees
- Fixed interest rate
It's time to get away
Nothing beats the feeling of exploring our amazing country and pulling into your favourite camping spot – whether it’s with friends in the country or a secluded beachside escape. We’ll help finance your caravan purchase, so you can focus on planning your trip and not worrying about your finances.
Finance your caravan with us
- Absolutely no fees*
- Get your rate without impacting your credit score
- Quick turnaround - get a response within hours
Let’s hit the waves
Nothing beats exploring the magnificent coastline. Imagine the sun beating down as you ride the waves, explore new beaches and appreciate nature’s beauty. Or maybe you’ve finally found the perfect fishing spot. Either way, we’ll help you focus on the tide rather than getting tied up in the finance jargon of a boat loan. We can help you finance the purchase of new or used boats, jet skis, Sea-Doos and other personal watercraft.
Finance your boat, watercraft or jet ski with us
- Absolutely no fees*
- Get your rate without impacting your credit score
- Quick turnaround - get a response within hours
Two wheels are all you need
Time to hit the road and escape the city? All you need is two wheels and your sense of adventure. With our motorcycle and scooter financing, you can focus on having fun on two wheels instead of deciphering financial jargon.
Finance your bike or scooter with us
- Absolutely no fees*
- Get your rate without impacting your credit score
- Quick turnaround - get a response within hours
Ready to take the next step?
Need some help with your personal loan?
Whether you’re confused about secured and unsecured loans, or just wondering how the whole process works; our resources are here to make sense of all that finance jargon.
What our customers think about us
Easy process with great communications
I’ve got nothing but great things to say about all aspects of service with Pepper Money. With both a car loan and a personal loan, the application processes were very easy and fast. I’m still super happy with my entire experience with Pepper Money 18 months in from my first loan. I would definitely recommend them to anyone wanting easy, fast service with great communication. Thanks for the great service, guys—it’s appreciated!
Fast, accurate - compared to large banks, they are a joy to work with
At this point, I’ve already applied for two personal loans for a car with Pepper Money. I was helped by an amazing loan specialist—both approvals went through in less than a week, and they were very prompt and thorough in asking for requirements.
10 out of 10 all round!
I needed to consolidate some debt. They were extremely patient, super helpful, and just great to deal with! I completely appreciate the professional, kind, understanding, and welcoming service I received. Massive thanks!
Very happy and very impressed
Excellent communication and clear, simple instructions regarding exactly what was required of us. Pepper Money provided outstanding support throughout the loan application process.
Easy application
Straightforward application with none of the mountain of paperwork usually required by a bank. Online verification and customer service were a pleasure to deal with. Highly recommended!
Best of the Best
Such a fantastic, fast, and friendly team to work with. I’ve now used them twice, and to be honest, they’re more efficient and open with you than major banks, and fast too. Highly, highly recommend them!
Important legal bits
'No fees' only applies to new loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.
+PERSONALISED RATES AND REPAYMENTS: The interest rate and repayments are based on personalised pricing. The final interest rate and repayments you are offered (if approved) may change based on your personal financial circumstances or security details provided. In some circumstances, we may require further information in order to provide a final interest rate and repayments (if approved).
Loan repayment terms range from 18 to 84 months for secured loans between $15,000 - $50,000. Repayment terms range from 18 to 36 months for unsecured loans between $5,000 and $7,999, and 18 to 84 months for unsecured loans from $8,000 to $50,000.
EXAMPLE: An unsecured personal loan of $30,000 borrowed over a term of 5 years with the minimum interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would equate to an estimated minimum total amount payable of $35,349.60 via the weekly payment option. Rates are subject to change.
Comparison rate is calculated on a secured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.
