Summary

Get an unsecured or secured loan of up to $50,000.

Pepper Money offers an unsecured personal loan of $5,000 up to $50,000. The interest rate is fixed, meaning that your repayments will not fluctuate. You can receive conditional approval within minutes of applying. You can also secure this loan with an asset if you wish.

Things to consider about this product:

Tailored interest rate. Depending on the requested loan amount and your financial circumstances, interest rates range between 6.75% p.a. and 26.95% This means that you can get a low interest rate if your credit score is excellent. If it’s less then perfect, you will likely receive higher rates.
Extra repayments and early payments can be made without fees or penalties.

Pros

Competitive, tailored rate
Penalty-free early repayments
Use the loan for any purpose
Monthly fees of $0
Establishment fee of $0 of the loan amount

Details

Product details

Product Name	Pepper Money Unsecured Fixed Rate Personal Loan
Interest Rate (p.a.)	6.75% to 26.95%
Comp. Rate (p.a.)	6.75% to 26.95%
Interest Rate Type	Fixed
Min Loan Amount	$5,000
Max. Loan Amount	$50,000
Loan Security	Unsecured

How does the Pepper Money unsecured personal loan work?

This is a fixed rate loan that has the option of being unsecured or secured by an asset, depending on your preference and/or circumstances. There is no establishment fee with this loan.

How to apply

If you're ready to apply for this loan, click "Go to Site" on this page to get the application process started. Keep in mind you need to meet the following criteria to apply:

You must be at least 18 years old.
You must be able to repay the credit.
You must be an Australian citizen or permanent resident.

You will be asked to submit the following to support your application:

Payslips
Bank statements
Positive identification including a driver's licence or passport

Pepper Money employs a few online services to assess your financial circumstances, including bank statement retrieval, identity verification and credit checks. You can also save an incomplete application and retrieve it later.

Features of this loan

If you're interested in applying for this loan, here are some of its features:

Unsecured loan. Unsecured loans are available for amounts between $5,000 and $50,000.
Secured loan. Secured loans are available from $15,000 to $50,000. Approved securities include new and used cars, motorbikes, boats, jet skis or caravans
Loan term. Unsecured loans of $5,000 to $7,999 are available on terms of between 18 months and 3 years. Loans of $8,000 and above can be repaid over a period of up to 7 years. All secured loans are available on terms of 18 months to 7 years.
Fixed interest. The interest rate is fixed for the term of the loan. Repayments remain unchanged until the end of the loan period. Interest is fixed at between 6.75% p.a. and 26.95% p.a.
Quick application. You can apply for this loan online and be approved conditionally within a few minutes of your submission.
Loan purpose. This loan cannot be used for paying out mortgages or credit arrears, defaults, business purposes or tax debt.
Repayments. This loan is repaid weekly, fortnightly or monthly. You have the option to make additional repayments penalty-free. If you'd like to repay the loan early, you will not be charged a fee.
Responsible lending. Pepper Money subscribes to responsible lending, which means that you won't be approved for a loan that you can't afford to repay.

How much does the Pepper Money unsecured personal loan cost

No fees. This loan has no upfront or ongoing fees.
Personalised rate. Rates are available from 6.75% p.a. based on your credit score and financial circumstances.

This type of loan can do a lot to solve cash flow problems, but it's important to make sure that you're in a position to repay the loan you want. There are always alternative solutions, so shop around before making any binding commitments.

Compare other personal loans

1 - 6 of 6

Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.75% to 26.95%	Comp. Rate (p.a.) 6.75% to 26.95%	Application Fee $0	Monthly Fee $0	Monthly Repayment $922.89	Go to site More Info Compare
OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$75,000) Finder award winnerFixed1 - 7 Years $5,000 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee 1.50% - 6% min. $250	Monthly Fee $0	Monthly Repayment $934.23	Go to site More Info Compare
Harmoney Unsecured Personal Loan Finder award winnerFixed3 - 7 Years $2,000 - $70,000	Interest Rate (p.a.) 5.76% to 24.03%	Comp. Rate (p.a.) 6.55% to 24.98%	Application Fee $275 - $575	Monthly Fee $0	Monthly Repayment $926.83	Go to site More Info Compare
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 - $70,000	Interest Rate (p.a.) 9.49% to 29.99%	Comp. Rate (p.a.) 10.37% to 30.69%	Application Fee $0	Monthly Fee $13	Monthly Repayment $973.85	Go to site More Info Compare	Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed Fixed1 - 7 Years $5,000 - $55,000	Interest Rate (p.a.) 8.49% to 20.49%	Comp. Rate (p.a.) 9.88% to 21.78%	Application Fee $250	Monthly Fee $15	Monthly Repayment $969.78	Go to site More Info Compare
NAB Personal Loan Unsecured Variable Rate Variable1 - 7 Years $5,000 - $55,000	Interest Rate (p.a.) 8.49% to 20.49%	Comp. Rate (p.a.) 9.88% to 21.78%	Application Fee $250	Monthly Fee $15	Monthly Repayment $969.78	Go to site More Info Compare