Rating based on 3 reviews

Pepper Money

  • Personal loans up to $50,000
  • Low-interest starting from 9.99%
  • Repayment up to 7 years

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Pepper Money homepage
Author Pepper Money. Screenshot of Pepper Money website.
[Accessed May 2, 2023]

Pepper Money can help you succeed

We know how problematic finding finance must be when you need it the most. Unlike most credit providers, we are not one to dwell on the bad; we prefer giving our customers good news as opposed to sombre ones.

Ever since 2001, we have helped a number of clients’ with their financial plans. We help the customers that don’t necessarily qualify as the best payers simply because they too are human and ought to be given the same chance you would give any other paying customer. 

We help people succeed

COur financial packages and personal loans have helped a lot of households shape up their figures to impressive expenses.

We make your money work for you

The idea is to not find the thrill of taking your money as an organization but rather to help see how you can make your money work for you. It is amazing how much work money can do for you if you just had sufficient guidance to know how to use it.

That is where we come in; we help you see all the loopholes in spending money the right way. By the time we are done with you, you will have a proper budget in place and you will never be tempted to recklessly spend money because we teach you the distinct difference between a necessity and a luxury with our sound financial advice.

Straightforward online loan application

Clients are required to apply for our personal loan online. The online application is simple and easy to follow.

The questions that we ask you should be answered honestly and without any flaw.

The application usually asks the client about their personal details, where they live and where they work. We just want to get a better idea of the kind of people we dealing with.

We know that we won’t always be able to make our customers happy in terms of giving them the best finance but we know that we will lead them in the right financial path.

Submit your supporting documents

After you have applied for a personal or short-term loan, you need to submit supporting documents. The documents need to correspond with the information that is completed on your online application.

If we find that there are discrepancies in the application, we will contact you so that you can give us a clarification about your loan application.

Money deposited in your bank account

After we have verified everything and we are pleased with the documentation you have submitted to us, you will have to electronically sign for the emergency loan and the money will be deposited in your bank account in a day or two.

Pepper Money – Personal loan

  • Loan Type Personal loans
  • Interest Rate 9.9913.99% p/a
  • Loan Amount up to $50,000
  • Repayment 1 year to 7 years

Benefits of Pepper Money

  • Flexible loan options
  • Low-interest rates
  • Reliable personal loans

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.

Pepper Money – We want to help each and every client

We know that we won’t be always able to able to help everyone but we try the best we can.

If you have a bad credit history, it may be difficult to assist you with a quick loan. We have to determine the severity of your bad credit before we can grant you approval on your personal loan application.

The awards we have won

It is clear that there is something we are doing right because we have won a number of awards in the financial sector. These include:

  • Best Non-Bank Lender - Australian Lending Awards 2018
  • Best Specialist Lender - Australian Lending Awards 2018
  • Best Non-Bank Lender - Australian Mortgage Awards 2017
  • Best Personal Loans - Finder Awards 2017

It gives us great joy to be credited in this regard; we will continually keep delivering a great financial service to our clients.

Our commitment to responsible lending

We will never give our customers more than they can handle on their plate. The personal loans that we give our clients are calculated to be affordable and are never more than the income they get. The last thing we want to do is to put our clients in a situation that renders it difficult for them to pay their loans and carry on living a normal life. We want our clients to be able to carry out with their monthly debts without feeling pressurized that the money they have to pay on a regular basis is too much.

How to qualify for the Pepper personal loan

  • 18 years or older
  • Australian or permanent resident
  • Be employed
  • Have an operating banking account

Flexible personal loan products

It is good to know that there is a variety of loan offers at Pepper. This includes payday loans as well as long-term loans. As a client, you will have the opportunity of choosing a payment that is affordable for your budget and your lifestyle.

Financial hardship assistance information

We know that things don’t tend to go the way we plan them and you might be in financial difficulty sometimes. Please do let us know when you in such a predicament and we will see what kind of solution can we work out for you whether it is financial counselling or an alternative solution.

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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 Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Pepper Money is a registered credit provider in Australia: ACL 286655

Customer Reviews & Testimonials

Pepper is amazing they have so many ways in which you can apply for your personal loan, I prefer doing it online with their interactive website that allows me to complete my application in minute...

Charlie W
— Sydney —

With low interest rates and easy application with approval, I would be a fool to even consider another lender. Pepper is the best fit for my needs!

Leo S
— Melbourne —

A fast and simple application process that allows for flexible repayment terms that are created around your pay cycle. True quality service!

Samuel T
— Adelaide —

Pepper Money Contact

Contact Number


  • not available


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