Pepper Money

Pepper Money offers eligible Australian clients personal loans with competitive rates and repayment terms.

Although a relatively young company, they have solid financial backing and has tailored its personal loan offering to suit the modern applicant.

The Pepper Money online application

The online loan application is capably informed by a host of details that presents itself as a smart and well-informed choice. If you’re looking for a quick application that can be done online this lender will meet your needs.

Information availability

That said, minimum and maximum amounts are not clearly visible on the landing page and in spite of the present detail, simple statements of amounts and repayment periods are initially absent, even when one begins the application process.

A targeted lender

They're targeted, aiming primarily at personal loan applicants with peripheral offerings listed in an uncluttered manner online. Pepper Money’s byline of “They’re just really good at personal money” holds true.

Empowering sustainable communities and careers

Making a positive impact through environmental initiatives and talent development

Pepper Money prioritises sustainability and community engagement. They provide industry-leading financing for low-emission vehicles, support the adoption of solar panels and sustainable energy resources, and actively engage in environmental initiatives, such as their large-scale forest planting project. They partner with community-based organisations and sponsorships that align with their values to make a positive impact on the lives of individuals and communities.

Joining their team means becoming part of a company that values talent, engagement, and making a difference. They offer rewarding careers and opportunities for growth, whether you're starting your journey or looking to advance in your profession. They're proud of their high employee engagement index and their commitment to recognising and rewarding success.

Their personal loans are unsecured and, assuming an Australian citizen has the necessary credit rating and documentation, an application from any mobile device or home computer takes no more than 10 - 20 minutes.

Fixed or variable rate interest

The company offers you a choice of a fixed or variable rate of interest on any personal loan. This means you can choose whichever option best suits your personal needs and, if need be, get a very stable fixed-interest rate loan to allow for more accurate budgeting.

Growing by the day                 

Pepper Money’s services, as presented online, clearly meet the needs of many people, as they're becoming established as well-known lender and are growing by the day.

Loans from $5 000 to $50 000

The time to approval, once documentation is received, is roughly 48 hours. The help centre search facility seems to confuse questions about personal loans with mortgage loans, something which can easily be sorted out by calling them directly or visiting them in the branch.

Why choose a Pepper Money personal loan?

• No fees - for the life of your loan
• Find out your personalised rate without impacting your credit score
• Secured interest rates starting from 6.50% p.a. comparison rate*

Seamless and speedy personal loans: Get funds fast with Pepper Money

Quick application responses, easy repayment estimates, and no impact on your credit score

You'll experience a quick loan turnaround, with application responses in as little as 2 minutes and access to your funds within 24-48 hours upon approval. Use their repayment calculator to estimate your repayments based on your desired loan amount, term, and credit situation. Take the next step and get your personalised rate upfront without affecting your credit score. Join the thousands of satisfied customers who've benefited from their transparent and hassle-free personal loans.