{
  "source": "https://pepper.prd.cdr.nowfinance.com.au/cds-au/v1/banking/products/84c7dcbb-3c4c-4dc3-9df8-e21ae4575f7a",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.peppermoney.com.au/personal-loans/eligibility",
      "feesAndPricingUri": "https://www.peppermoney.com.au/personal-loans",
      "overviewUri": "https://www.peppermoney.com.au/personal-loans",
      "termsUri": "https://getmyrate.pepper.com.au/privacy",
      "additionalFeesAndPricingUris": [
        {
          "description": "Personal Loan product page",
          "additionalInfoUri": "https://www.peppermoney.com.au/personal-loans#product"
        }
      ],
      "additionalOverviewUris": [
        {
          "description": "Personal Loan product page",
          "additionalInfoUri": "https://www.peppermoney.com.au/personal-loans#product"
        }
      ]
    },
    "applicationUri": "https://nowfinance.com.au",
    "brand": "PEPPER",
    "brandName": "Pepper Money",
    "description": "A secured personal loan offering the most competitive rates with loan amounts from $15,000 to $100,000 over terms of 18 months to 7 years. Secured by bill of sale on eligible assets including vehicles, motorcycles, caravans, and other approved security.",
    "effectiveFrom": "2025-04-11T00:00:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-05-20T05:45:55.357Z",
    "name": "Secured Personal Loan",
    "productCategory": "PERS_LOANS",
    "productId": "84c7dcbb-3c4c-4dc3-9df8-e21ae4575f7a",
    "fees": [
      {
        "name": "Establishment fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Monthly fee",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Early repayment fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "PPSR fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Applicant must be at least 18 years old",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Available to individual persons only",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Applicant must be an Australian resident with proof of residency",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      },
      {
        "additionalInfo": "Available to full-time, part-time, casual, and self-employed applicants. Self-employed applicants must have minimum 2 years of self-employment.",
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Full-time, Part-time, Casual, Self-employed"
      },
      {
        "additionalInfo": "Bank statements required. Acceptable proof of income: 90 days bank statements or most recent payslip (employed); Last notice of assessment, 90 days bank statements, potentially BAS (self-employed).",
        "eligibilityType": "OTHER",
        "additionalValue": "Documentation"
      },
      {
        "additionalInfo": "Motor vehicle comprehensive cover and third party cover required for vehicle security",
        "eligibilityType": "OTHER",
        "additionalValue": "Insurance"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum loan amount of $15,000",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "15000.00"
      },
      {
        "additionalInfo": "Maximum loan amount of $100,000",
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "additionalInfo": "Minimum loan term of 18 months",
        "constraintType": "OTHER",
        "additionalValue": "P18M"
      },
      {
        "additionalInfo": "Maximum loan term of 7 years",
        "constraintType": "OTHER",
        "additionalValue": "P7Y"
      },
      {
        "additionalInfo": "Maximum age of vehicle allowed for security is 21 years",
        "constraintType": "OTHER",
        "additionalValue": "21 years"
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Extra repayments and lump sum repayments allowed without penalty"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Full online application with electronic ID verification and digital contract acceptance"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Online application progress notifications and status tracking available"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Comprehensive fraud protection measures in place"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for cars, motorcycles, motor homes, and reduced emissions vehicles",
        "additionalValue": "Motor Vehicles"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for both new and used car purchases",
        "additionalValue": "Vehicle Purchase"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for consolidation of existing debts",
        "additionalValue": "Debt Consolidation"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for home renovations and improvements",
        "additionalValue": "Home Improvements"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for green loans including EVs, PHEVs, solar panels, battery packs, heat pump hot water systems, double glazed windows, EV charging systems, and rainwater tanks",
        "additionalValue": "Green Purposes"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for caravans and marine vessels",
        "additionalValue": "Recreational Vehicles"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for holidays, weddings, education expenses, medical or funeral costs",
        "additionalValue": "Personal Use"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan is secured by an eligible asset. Maximum vehicle age of 21 years applies.",
        "additionalValue": "Secured by Bill of Sale"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayments can be made weekly or fortnightly as preferred",
        "additionalValue": "Flexible Repayment Frequency"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Security swap allowed with no fee",
        "additionalValue": "Security Swap"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "applicationType": "UPFRONT",
        "comparisonRate": "0.0595",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Excellent credit",
            "additionalValue": "Excellent credit"
          }
        ],
        "rate": "0.0595",
        "additionalInfo": "Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears.",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P18M",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "UPFRONT",
        "comparisonRate": "0.0895",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Very good credit",
            "additionalValue": "Very good credit"
          }
        ],
        "rate": "0.0895",
        "additionalInfo": "Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears.",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P1Y6M",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "UPFRONT",
        "comparisonRate": "0.1345",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Good credit",
            "additionalValue": "Good credit"
          }
        ],
        "rate": "0.1345",
        "additionalInfo": "Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears.",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P1Y6M",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "UPFRONT",
        "comparisonRate": "0.1625",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Average credit",
            "additionalValue": "Average credit"
          }
        ],
        "rate": "0.1625",
        "additionalInfo": "Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears.",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P1Y6M",
        "interestPaymentDue": "IN_ARREARS"
      }
    ]
  }
}