Pepper Money is a homegrown Australian non-bank lender which launched in 2000. It offers solutions for home loans, car loans, personal loans, loans for professional equipment and commercial loans to customers Australia-wide.
Its personal loans allow you to borrow up to $100,000, with a personalised rate starting from 6.75% p.a.
We currently don't have that product, but here are others to consider:
How we picked thesePepper Money personal loans are available for a range of purposes, including:
The following features are available with Pepper Money:
The Pepper Money No Fee Unsecured Personal Loan was highly commended for Best Unsecured Personal Loan in the 2025 Finder Awards.
Full list of 2025 winnersTo apply for a loan with Pepper, simply click "Go to site" to visit the lender directly and complete an application. Applicants for these loans will be required to:
Depending on the type of finance that you are applying for, other eligibility criteria may also apply.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Via customer survey commissioned by Finder
Via customer survey commissioned by Finder
Easy to use but high interest
Via customer survey commissioned by Finder
The fees and interest is a bit high, but they were willing to let us borrow in order to get a family car. Most of the time they can be helpful in hardship.
Via customer survey commissioned by Finder
Easy and quick application and approval
Via customer survey commissioned by Finder
Easy to use easy to communicate with
Via customer survey commissioned by Finder
Pepper Money made the process of acquiring a loan fast and easy. We had not problems with Pepper for the life of the loan and found their services easy to use
Via customer survey commissioned by Finder
Ok, increased interest faster than cash rate which was very annoying
Via customer survey commissioned by Finder
Great and speedy service
Via customer survey commissioned by Finder
They could be easier to contact and take more time to help understand people and their needs
Via customer survey commissioned by Finder
Easy to get loan but harder to edit loan once got
Read Finder's review of OurMoneyMarket's Secured Personal Loan. See if this loan is right for you.
This secured loan may be used for any worthwhile purchase and requires security against a vehicle. It uses risk-based pricing, so your interest rate will be set based on your credit score and history.
Are secured personal loans better than unsecured personal loans and how do they work?
A marketplace personal loan with personalised interest rates.
Personal loans offer a range of loan amounts to suit different purposes and budgets. Here's how to get the loan amount you need.
Why not be rewarded for your good credit history? MoneyPlace offers unsecured personal loans with rates starting at 8.49% p.a. – finance a range of personal purposes and borrow up to $80,000. Read the review and see if you're eligible to apply.
Temporary Australian residents may be eligible to apply for personal loans, depending on the visa they hold.
Not all personal loans come with endless documentation. Some lenders specialise in quick and easy application processes.
Use a personal loan calculator to work out your repayments or compare loans with a comparison calculator.
We’ve written about fixed rate personal loans and what their advantages are.