Ready to take the next step?
It takes 2 minutes to get your personalised rate. Then, you can apply online and get a response in 2 minutes. If your application is approved, you can look forward to getting the care you need now.
Cover your Medical, Dental and Cosmetic expenses with our no-fee personal loan
Even with health insurance, medical costs can quickly add up - especially if you need unexpected or urgent surgery. A personal loan could help provide the funds you need to pay for a cosmetic procedure, a large excess or uninsured surgery.
What is a medical loan?
Put simply, it’s a loan to cover medical expenses. Thankfully, Pepper Money personal loans can be used for a wide range of purposes – including to finance medical procedures.
Rather than delaying treatment, financing medical expenses through a personal loan could help you get the care you need while paying it off over a period of 18-84 months.^ What’s more, you could use the funds from your personal loan for a range of procedures - including general surgery, cosmetic surgery, dental treatment, or even laser eye surgery.
Can I use a personal loan for cosmetic surgery?
Yes. If you’re planning elective, cosmetic, eye or dental surgery, then a personal loan could help you access treatment without a costly overhead, or putting a lump sum charge on a potentially high-interest credit card.
With loans from $5,000 to $100,000 available, together with a range of loan terms, it’s time to take comfort in knowing you’ll be taken care of.
Why choose a Pepper Money Personal Loan?
No fees - for the life of your loan
Get your personalised interest rate+ without impacting your credit score
Secured interest rates starting from 6.75% p.a. comparison rate*#
Rates based on your circumstances
Get your personalised rate before applying. It won't impact your credit score.
No fees
Ditch the fees and save with our no fee personal loan. No set up fee, no monthly fee and no early repayment fee.
Quick turn-around
Complete your application and get a response in 2 minutes. Once approved, access your funds within 24-48 hours.
What could my personal loan repayments look like?
To help you plan your monthly budget, give our repayment calculator a try. It can estimate what your regular repayments might look like based on the amount you want to borrow using example interest rates.
Not sure about your credit situation? Understand the different credit score groupings.
Your example interest rate and comparison rate is*# $
Your estimated minimum repayment is $
Ready to take the next step? Get your personalised rate upfront without impacting your credit score.
Not sure about your credit situation? Understand the different credit score groupings.
Important information
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. All applications are subject to credit assessment, loan eligibility and lending limits. Terms, conditions, fees and charges apply.
The results of the calculator are based on information you have provided and is to be used as a guide only. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated personal loan repayments is based on the assumption that interest rates remain constant for the chosen loan term.
Your interest rate, repayments and interest payable will be different if a full application is submitted, and we complete our responsible lending assessment. The results of this calculator do not take into account any lender or government fees which may be applicable from time to time.
Get your personalised rate in just minutes. What's more, it won't affect your credit score.
Secured personal loan interest rates starting from
6.75
%
p.a.
Interest rate*
6.75
%
p.a.
Comparison rate#
Get to know our medical loan option
Secured or Unsecured?
Secured personal loans generally have lower interest rates than unsecured personal loans as the lender will lodge a security interest over the asset. If you don’t pay the loan, the lender may have the right to repossess the asset.
Find out more on our fact sheet, or call us on 1300 108 794.
Secured Personal Loan
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Interest rates
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Secured fixed interest rates and comparison rates from 6.75% - 21.65% p.a.*#
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 - 84 months^
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Minimum loan size
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$15,000
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Maximum loan size
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$100,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
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Repayment type & frequency
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Pay by Direct Debit in weekly or fortnightly installments
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Fees and charges
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We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
- Security registration fee | $0
Unsecured Personal Loan
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Interest rate
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Unsecured fixed interest rates and comparison rates from 6.75% - 26.95% p.a.*#
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 - 84 months^
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Minimum loan size
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$5,000
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Maximum loan size
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$50,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
-
Repayment type & frequency
-
Pay by Direct Debit in weekly or fortnightly installments
-
Fees and charges
-
We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
What others are asking about personal loans
You can apply online and complete the online application in as little as 10 minutes. You’ll get your individual rate before you apply. Or you can apply over the phone (1300 108 794) by speaking with one of our friendly Lending Specialists. To view the eligibility criteria, click here.
All of our personal loan applicants are required to have an acceptable form of ID. The ID we require is either an Australian passport (valid or expired within the last 24 months) or a current Australian drivers licence. Depending on the outcome of your personal loan application, we may ask to see some additional documentation.
What we ask for is different for each application, however to speed up the process it is worth ensuring you have the following to hand: Front & Back of your ID documents, Proof of employment and income, Details of your existing credit commitments, Proof of address, Details of your rent/mortgage payments, Bank statements.
Getting your individual rate is quick and easy and won’t affect your credit score. You will know your rate before you apply by clicking on and completing the online form on the get my rate page. You will receive your rate within one minute and this rate won’t change when you continue on and submit your online application.
We accept personal loan applications with no financial or unpaid defaults, or >1 paid telco or utility default.
You can use your Pepper Money personal loan for almost all purposes. This could be anything from a holiday, home improvements, household furnishings, car purchase or car repairs, auto upgrades, debt consolidation, educational expenses, medical and cosmetic surgery, dental surgery, mortgage cost funding, vehicle deposit funding, and even a wedding, funeral or sporting equipment.
Unacceptable loan purposes include:
- Mortgage, rent or credit arrears
- Tax debts
- Payment of defaults and judgements
- Loans for business purposes
Getting a personalised rate estimate could be a great first step before applying for a personal loan. It only takes two minutes and it won’t impact your credit score. A personalised rate quote helps you to compare different lenders and their offerings. Each lender in Australia may have varying interest rates, terms, and conditions for loans. Understanding your options before applying for a personal loan can help you make an informed decision about which loan best suits your needs.
Knowing your personalised rate also helps you determine the affordability of your loan by giving you a good idea of what your monthly repayment amount might be. This could help you understand whether the loan fits comfortably within your budget or not.
Our unsecured personal loans range from $5,000 to $50,000.
Our secured personal loans range from $15,000 to $100,000 (personal loans solely for car purchase limited to $50k). If you’re looking to purchase a car over $50k, visit our car loans page.
Loan repayment terms range from 18 to 84 months for secured loans between $15,000 - $100,000. 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.
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.
Our Awards
As the home of loan options we're all about helping everyday Aussies succeed in achieving their financial goals
- whether that's renovating your home, consolidating your debts, or covering unexpected outgoings.
We’re over the moon to share that we’ve been recognised as winners by both Finder and WeMoney.
What our customers think about us
Pressure free loan
I needed money for a medical procedure. I had just changed jobs and had only been in my new position for a short period. Pepper Money took the time to consider the facts, asked extra questions, and spoke to my boss to clarify that I was now approved full-time. The loan was approved. They were kind when asking potentially imposing questions, and I felt comfortable. The whole process is one I would recommend. Once approved, it was as easy as opening a couple of emails to set up passwords and verify my account. Thank you, Pepper Money, for your help with my application—you are a gem.
Very easy
I was recommended to Pepper Money as I needed a bit of extra money to cover some medical costs. I was considering adding onto our home loan, but they required five pages of information for a very small amount of money. I went to Pepper, and the process was quick and easy.
No idea how grateful I am
I checked the reviews and they were amazing. I applied on Friday for a funeral and received acceptance on Monday morning. The rate is great and I just cant believe how quick I received a response. The most stressing time of my life and Pepper came around.
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!
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.
The important legal bits
Information and interest rates are correct as of 17 December 2024 and subject to change at any time.
All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms and conditions, fees and charges apply.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
‘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.
* Pepper Money Unsecured Personal Loan interest rates range from 6.75%-26.95% p.a. (Comparison rates range from 6.75%-26.95% p.a.#) and Secured Personal Loan interest rates range from 6.75%-21.65% p.a. (Comparison rates range from 6.75%-21.65% p.a.#). The actual interest rate applicable will depend on the individual borrower’s circumstances and the information verified during the loan application assessment.
+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 - $100,000. 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.
