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 $50,000, with a personalised rate starting from 6.75% p.a.
Compare Pepper Money personal loans
{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Variable","Fixed"],"fields":[{"label":"Variable","value":"Variable","comparator":"contains"},{"label":"Fixed","value":"Fixed","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"RATES.RATE_TYPE"},"dataType":"TEXT","label":"Loan Type","queryParameter":null,"order":0},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Secured"," Unsecured"],"fields":[{"label":"Secured","value":"Secured","comparator":"excludes"},{"label":"Unsecured","value":" Unsecured","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.LOAN_SECURITY"},"dataType":"TEXT","label":"Secured type","queryParameter":null,"order":1},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Working full-time"," Working part time"," Working casually"," No"," Self-employed"],"fields":[{"label":"Working full-time","value":"Working full-time","comparator":"contains"},{"label":"Working part-time","value":" Working part time","comparator":"contains"},{"label":"Working casually","value":" Working casually","comparator":"contains"},{"label":"Unemployed","value":" No","comparator":"contains"},{"label":"Self-employed","value":" Self-employed","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.EMPLOYMENT_STATUS"},"dataType":"TEXT","label":"Employment","queryParameter":"employmentstatus","order":2},{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Australian citizen\/resident"," Temporary resident"],"fields":[{"label":"Australian citizen\/resident","value":"Australian citizen\/resident","comparator":"contains"},{"label":"Temporary resident","value":" Temporary resident","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"TABLE_FILTER.RESIDENCY_STATUS"},"dataType":"TEXT","label":"Residency status","queryParameter":"residencystatus","order":3},{"componentType":"PROVIDER","options":null,"dataSelector":{"recordType":"PROVIDER","fieldCode":"GENERAL.ID"},"dataType":"UUID","label":"Provider","queryParameter":null,"order":4},{"componentType":"FULL MARKET COMPARISON","options":null,"dataSelector":{"recordType":null,"fieldCode":null},"dataType":null,"label":"Finder Partner","queryParameter":null,"order":5}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":","},"prefilled":false}
Pepper Money personal loans are available for a range of purposes, including:
Debt consolidation of payday lender debts
Weddings
Cars
Payout
Rental
Mortgage and credit arrears
Payment of defaults and judgements
Loans for business purposes
Features of Pepper Money personal loans
The following features are available with Pepper Money:
Rate estimate. Get an estimated rate based on some simple personal information before you apply.
Repayment calculator. Calculate your expected repayments to see what you can afford.
Range of loan purposes. Pepper Money loans are available for almost any legitimate purpose.
Secured and unsecured options. Depending on the type of finance you're looking for, how much you would like to borrow and your financial circumstances, Pepper may give you the option of a loan secured by an asset or not.
Quick application. You can apply online in just 10 minutes.
Quick approval. Pepper aims to get a decision as to whether or not your application has been approved to you within 5 hours.
Quick funding. If approved, funds should be in your account by the next business day.
Options for bad credit borrowers. Having a poor credit history can make getting a personal loan more difficult. With Pepper Money, an applicant's financial circumstances are considered on a case-by-case basis.
How to apply
To 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:
Be aged 18 or over
Be an Australian citizen or permanent resident
Have some form of employment
Depending on the type of finance that you are applying for, other eligibility criteria may also apply.
Bria Horne is a writer for Finder, with a specialist knowledge of personal loans, car loans and business loans. Originally from the UK, Bria has been a professional personal finance writer in Australia for over 2 years. She has an M.A and B.A in Philosophy and Literature from the University of Sussex, and previously worked on the UK’s leading hospitality publication. See full bio
If you're wanting to bolster your application, buy an asset with your partner or apply for a loan you're not eligible for by yourself, you can consider a joint application personal loan.
Are you in need of a larger loan but concerned about your credit history? There still may be options available, no matter your credit history. Read our guide to find out what might be available to you.
If you're thinking about getting an apprentice loan, explore the possibility of government-sponsored loans as well as loans offered by banks. Find out everything you need to know to compare your options.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
