---
title: "Unsecured Personal Loan — Pepper Money"
description: "Personal Loans from Pepper Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/pepper-money-686d72/products/849a17de-4f7f-4ebd-a186-91146f152385
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-20T05:43:47.323Z
---

# Unsecured Personal Loan — Pepper Money

> Personal Loans from Pepper Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

A unsecured personal loan with no fees, competitive rates and loan amounts from $5,000 to $50,000 over terms of 18 months to 7 years. No security required.

## At a glance

- **From:** 5.95% (5.95% comparison)

## Apply

Applications are handled by the provider: [Apply at Pepper Money](https://nowfinance.com.au)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 18 months (Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. · Excellent credit) | 5.95% | 5.95% | — |
| Fixed · 1 year 6 months (Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. · Very good credit) | 9.45% | 9.45% | — |
| Fixed · 1 year 6 months (Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. · Good credit) | 13.95% | 13.95% | — |
| Fixed · 1 year 6 months (Minimum annual percentage rate for this product. Fixed rate for the term of the loan. Interest calculated daily and charged monthly in arrears. · Average credit) | 18.15% | 18.15% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment fee | Upfront | $0.00 |
| Monthly fee — Charged monthly | Ongoing | $0.00 |
| Early repayment fee | Exit | $0.00 |

## Features

- **Extra repayments** (Extra repayments and lump sum repayments allowed without penalty)
- **Digital banking** (Full online application with electronic ID verification and digital contract acceptance)
- **Notifications** — Online application progress notifications and status tracking available
- **Fraud protection** (Comprehensive fraud protection measures in place)
- **Available for cars, motorcycles, motor homes, and reduced emissions vehicles** — Motor Vehicles
- **Available for both new and used vehicle purchases** — Vehicle Purchase
- **Available for consolidation of existing debts** — Debt Consolidation
- **Available for home renovations and improvements** — Home Improvements
- **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** — Green Purposes
- **Available for caravans, boats and marine vessels** — Recreational Vehicles
- **Available for holidays, weddings, education expenses, medical or funeral costs** — Personal Use
- **Repayments can be made weekly or fortnightly as preferred** — Flexible Repayment Frequency
- **Unsecured loan - no collateral or asset security required** — No Security Required

## Eligibility

- **Minimum age** — 18 years (Applicant must be at least 18 years old)
- **Individuals only** (Available to individual persons only)
- **Residency status** — Australian Resident (Applicant must be an Australian resident with proof of residency)
- **Employment status** — Full-time, Part-time, Casual, Self-employed (Available to full-time, part-time, casual, and self-employed applicants. Self-employed applicants must have minimum 2 years of self-employment.)
- **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).** — Documentation

## Constraints

- **Minimum limit** — $8,001.00 (Minimum loan amount of $8,001)
- **Maximum limit** — $50,000.00 (Maximum loan amount of $50,000)
- **Minimum loan term of 18 months** — P18M
- **Maximum loan term of 3 years** — P3Y

## More information from Pepper Money

- [Overview](https://www.peppermoney.com.au/personal-loans)
- [Terms & conditions](https://getmyrate.pepper.com.au/privacy)
- [Eligibility](https://www.peppermoney.com.au/personal-loans/eligibility)
- [Fees & pricing](https://www.peppermoney.com.au/personal-loans)

## Data provenance

- Published by Pepper Money under the Consumer Data Right
- Product ID: `849a17de-4f7f-4ebd-a186-91146f152385`
- Last updated by the provider: 20 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/pepper-money-686d72/849a17de-4f7f-4ebd-a186-91146f152385
- Provider page: https://www.cdrcompare.au/brands/pepper-money-686d72

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/pepper-money-686d72/products/849a17de-4f7f-4ebd-a186-91146f152385) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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