--- title: "Secured consumer loan (asset finance) — 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-a67e5f/products/PEP07060 source: "CDR Compare" language: en-AU last_updated: 2026-07-09T05:45:26Z --- # Secured consumer loan (asset finance) — 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 · Negotiable rates** Our Secured Consumer Loan allows you to purchase a vehicle or other acceptable assets, with the asset to be used as security for the loan. The loan provides certainty to you as you repay the loan over an agreed term with a fixed interest rate and fixed monthly repayments. ## Fees | Fee | Type | Amount | | --- | --- | --- | | Account Keeping Fee (monthly) — Charged monthly · Monthly fee to cover the ongoing costs of managing the loan. | Ongoing | $8.90 | | Dishonour Fee — May be payable each time the payment instruction is dishonoured. | Dishonour | $5.00 | | Late Payment Fee — 5 · Payable each time the repayment is not made within five days of the repayment due date. | Late payment | $35.00 | | Payment Handling Fee — Payable when any payment is made by direct deposit. | Payment | $2.50 | | Payment Handling Fee — Payable when any payment is made by BPAY or EFT. | Payment | $1.50 | | Establishment Fee — The establishment fee includes the cost of processing the application and the preparation of loan documentation. | Upfront | $499.00 | | Establishment Fee (Private Sale) — The establishment fee includes the cost of processing the application and the preparation of loan documents. | Upfront | $600.00 | | Account Closing Fee — Payable when the loan is paid out. | Exit | $20.00 | | Early Termination Fee — Payable on any earlier termination of the agreement. | Exit | Variable | | PPSR Registration Fee — Payable when Pepper Money’s security interest is registered on the Australian Government’s Personal Property Securities Register over the asset provided as security for the loan. | Upfront | $6.00 | | PPSR Search Fee — Payable when Pepper Money searches the Australian Government’s Personal Property Securities Register in relation to the asset provided as security for the loan. | Upfront | $2.00 | ## Features - **Available for purchase as new, demo, or used assets, with a maximum asset age of 20 years at the end of the term.** - **Term: 1 to 7 years** - **Extra repayments** (You can make additional repayments subject to the payment of an early termination charge if the loan is paid out before the end of the loan term. Additional repayments are not available to be redrawn.) - **Interest rate is fixed for the life of the loan so you know what your repayments will be. The loan will not benefit from interest rate decreases.** - **Digital banking** (Provides online access to the loan to borrowers.) - **Purchase or refinance of one of the following assets through a dealer or a private seller: Car, Boat, Jet ski, Caravan, Motorcycle, All terrain vehicle, Tractor, Ride-on mower, Horse float, Solar generation and storage (not available through a private seller). There is no cash out permitted.** - **Balloon payments available (loan term will be capped at 5 years) to customers who want to make smaller regular repayments over the loan term and make a larger final repayment at the end of the loan term. The balloon payment is subject to credit criteria.** ## Eligibility - **Minimum age** — 18 years (Must be a minimum of 18 years of age at the time of application.) - **Individuals only** (Applicants must be individuals or joint borrowers for personal purposes only.) - **Residency status** — Must live in Australia and be an Australian citizen or permanent resident or residing in Australia on a working visa that is acceptable to Pepper Money - **Meet Pepper Money’s credit assessment and eligibility criteria which includes demonstrating capacity to make the required loan repayments without substantial hardship and having an acceptable credit rating.** - **If a loan application is approved, the interest rate offered and fees and charges will depend on Pepper Money’s assessment of several factors at the time of application including the applicant’s credit history, income and financial position, the loan to value ratio (LVR), loan term and the nature of the security asset. A risk loading may apply.** - **Payments must be made from an Australian bank account.** ## Constraints - **Minimum limit** — $5,000.00 - **Maximum limit** — $300,000.00 (This is the maximum loan amount without a credit policy exception being approved. There are lower maximum balance for certain assets.) - **Loan must be secured by an asset acceptable to Pepper Money.** ## Data provenance - Published by Pepper Money under the Consumer Data Right - Product ID: `PEP07060` - Last updated by the provider: 9 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/pepper-money-a67e5f/PEP07060 - Provider page: https://www.cdrcompare.au/brands/pepper-money-a67e5f --- Source: [CDR Compare](https://www.cdrcompare.au/brands/pepper-money-a67e5f/products/PEP07060) — 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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