Rating based on 33 reviews

Pepper Money

  • Personal loans up to $50,000
  • Low-interest starting from 13%
  • Repayment up to 7 years

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Pepper Money homepage
Author Pepper Money. Screenshot of Pepper Money website.
[Accessed May 24, 2023]

About 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.

Pepper Money Services

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.

Pepper Money – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 13%
  • Loan Amount up to $50,000
  • Repayment 12 months to 7 years

Benefits of Pepper Money

  • Personal loans up to $50 000
  • Flexible loan term of up to 7 years
  • Competitive interest from 13%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

With Pepper Money you can spice up your loan as much as you see fit

Taking its name from the spice trade that was so dramatically shifted by the Ottoman Empire centuries ago, forcing the world to trade differently, the company implies that its paradigm shift for the benefit of the man in the street is its core drive and ethos.

It is, as are all lenders, governed by ASIC and cannot thus flout the standard credit criteria legislated by the government.

On the whole, it seems Pepper Money offers elegance in the online fast loan application process and has many entertaining stories of days gone by for those who are interested in history and the company’s development as a whole.

Charm & graphic aesthetics

They're clearly full of charm and graphic aesthetics, but if you find yourself struggling to find the core details regarding any of their products and services you can view the summary listed here or simply make use of a loan comparison site.

Small personal loans

Pepper Money is focused on anyone seeking a relatively minor personal loan and their commitment and intent are apparent. You can get an unambiguous repayment rate and period and the offering satisfies many.

Get help over the phone

Telephonic assistance is available and accessing their services is best done by logging on and making an initial phone call to clarify a few details that you've come to expect as a given on a lending site. 

Calculate your way toward a brighter future

Among all the nifty bells and whistles already offered by them, they have one more edition to boast. Their website is home to an online calculator that assists you in finding the perfect loan amount based on the repayment that you can afford. Use their online calculator to plan the best possible budget for your circumstances. Make the informed choice for your financial future with the assistance of Pepper Money – the lender that cares.

man holding thumbs up

Pepper Money is a trusted & reliable provider of personal loans

In our review, Pepper Money adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Pepper Money is a registered credit provider in Australia: ACL FSP286655

Customer Reviews & Testimonials

September 2018

Bad credit will no longer be a hurdle to me thanks to Pepper. Since Pepper granted me the opportunity that the other lenders would not, I was able to get the credit that I deserve and improve my ...

Rebecca W
— Hobart —

July 2018

A Pepper loan added the spice to my life that I had always been missing. Trying to save money in the current economic circumstances is difficult which is why a Pepper loan allowed me to get the w...

Marshall E
— Darwin —

Pepper Money Contact

Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed