Pepper Money
Unsecured Personal Loan
Pepper Money · pers loans
Provider last updated this product 2026-05-20.
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You'll complete your application on
Pepper Money's website. Confirm the rate and fees with them
before applying.
A unsecured personal loan with no fees, competitive rates and loan amounts from $5,000 to $50,000 over terms of 18 months to 7 years. No security required.
As published by the lender
- Security - Unsecured
- Vehicles - New or used vehicles
- Headline rates - from 5.95% to 18.15%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 5.95% | 5.95% | UNCONSTRAINED | PRINCIPAL AND INTEREST | 18 months | - | - |
| Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. Excellent credit | |||||||
| FIXED | 9.45% | 9.45% | UNCONSTRAINED | PRINCIPAL AND INTEREST | 18 months | - | - |
| Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. Very good credit | |||||||
| FIXED | 13.95% | 13.95% | UNCONSTRAINED | PRINCIPAL AND INTEREST | 18 months | - | - |
| Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. Good credit | |||||||
| FIXED | 18.15% | 18.15% | UNCONSTRAINED | PRINCIPAL AND INTEREST | 18 months | - | - |
| Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. Average credit | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Establishment fee | UPFRONT | $0 | - |
| Monthly fee | PERIODIC | $0 | - |
| Early repayment fee | EXIT | $0 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 5.95% | 5.95% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Available for cars, motorcycles, motor homes, and reduced emissions vehicles
- Available for both new and used vehicle purchases
- Available for consolidation of existing debts
- Available for home renovations and improvements
- Available for green loans including EVs, PHEVs, solar panels, battery packs, heat pump hot water systems, double glazed windows, EV charging systems, and rainwater tanks
- Available for caravans, boats and marine vessels
- Available for holidays, weddings, education expenses, medical or funeral costs
- Repayments can be made weekly or fortnightly as preferred
- Unsecured loan - no collateral or asset security required
Who can apply
- min age - 18Applicant must be at least 18 years old
- natural personAvailable to individual persons only
- residency status - Australian ResidentApplicant must be an Australian resident with proof of residency
- employment status - Full-time, Part-time, Casual, Self-employedAvailable to full-time, part-time, casual, and self-employed applicants. Self-employed applicants must have minimum 2 years of self-employment.
- other - DocumentationBank statements required. Acceptable proof of income: 90 days bank statements or most recent payslip (employed); Last notice of assessment, 90 days bank statements, potentially BAS (self-employed).
Limits
- min limit - 8001.00Minimum loan amount of $8,001
- max limit - 50000.00Maximum loan amount of $50,000
- other - P18MMinimum loan term of 18 months
- other - P3YMaximum loan term of 3 years
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-05-20T05:43:47.323Z · Product ID: 849a17de-4f7f-4ebd-a186-91146f152385