No fee~ personal loans
Secured and unsecured options
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Secured
-
Unsecured
Secured personal loans
Loan purposes
Interest Rate
Easy online application process
Loan Term
Loan Amount
- $15,000 - $50,000 (incl. car purchases)
- $15,000 - $100,000 (excl. car purchases)
Funds paid into their account
Repayment frequency
Repayment Facilities
Fees and Charges
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
- Security registration fee| $0
Unsecured personal loans
Loan purposes
Interest Rate
Easy online application process
Loan Term
Loan Amount
- $5,000 - $50,000
Funds paid into their account
Repayment frequency
Repayment Facilities
Fees and Charges
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
For more information about our secured and unsecured personal loans, please call us on 1800 737 737 or view our product guide.
Why clients like our Personal Loans
Pepper Money partner, Steve Rabbitt, discusses why brokers are choosing a Pepper Money personal loan to meet their client’s needs.
Important Information
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, 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. We recommend clients consult a licensed financial or tax adviser.
Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used, stored and disclosed in accordance with Pepper Money’s Privacy Policy & the credit provider’s Privacy Policy.
~’No fees’ only applies to new Pepper Money Secured Personal Loans and new Pepper Money Unsecured Personal Loans. If your client does not comply with the terms of their loan, we may pass on to them any third party enforcement or recovery costs incurred by us.
*Pepper Money Unsecured Personal Loan interest rates range from 5.95% - 26.95% p.a. (Comparison rates range from 5.95% - 26.95% p.a.**) and Secured Personal Loan interest rates range from 5.95% - 21.65% p.a. (Comparison rates range from 5.95% - 21.65% p.a.**). All Pepper Money Personal Loan rates are correct as of 15 August 2025 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.
** 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.
^Loan repayment terms range from 18 to 84 months for secured loans between $15,000 - $50,000. 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 $100,000.
EXAMPLE: An unsecured personal loan of $30,000 borrowed over a term of 5 years with the minimum interest rate of 5.95% p.a. (5.95% p.a. comparison rate**), would equate to an estimated minimum total amount payable of $34,703.50 via the weekly payment option. Rates are subject to change.
This page has been prepared for use by prospective and current accredited Pepper Money brokers, introducers and intermediaries. It is not intended to be distributed to or relied upon by consumers.
