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Personal Loan

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I want to borrow

Loan Term

years

Repayment Frequency

Personal Loan Pros and Cons

Pros:
  • No application fees
  • No ongoing fees
  • No early exit penalty
  • Can apply online
Cons:
  • Cannot apply in branch

Pepper Personal Loan Fees and Features

New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$0
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$50
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$0
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$50
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
Other Benefits
Payment Holiday up to 3 months available

Compare and review personal loans with similar features

Interest Rates
Advertised Rate
Advertised Rate
Headline rate
12.69%
variable
Advertised Rate
14.99%
variable
Advertised Rate
9.16%
fixed
Advertised Rate
From
8.10%
fixed
Comparison Rate
Comparison Rate
13.56%
Comparison Rate
15.99%
Comparison Rate
10.67%*
Comparison Rate
9.36%
Monthly Repayment
Monthly Repayment
$678
Monthly Repayment
$714
Monthly Repayment
$625
Monthly Repayment
$610
Total Repayments
Total Repayments
$40,680
Total Repayments
$42,840
Total Repayments
$37,500
Total Repayments
$36,600
Loan amount
Loan amount
$5k to $55k
Loan amount
$4k to $50k
Loan amount
$2k to $45k
Loan amount
$5k to $50k
Loan Fees
Upfront Fee
Upfront Fee
$150
Upfront Fee
$150
Upfront Fee
$350
Upfront Fee
3%
of loan amount
Ongoing Fee
Ongoing Fee
$10 monthly
Ongoing Fee
$12 monthly
Ongoing Fee
$5 monthly
Ongoing Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$35
Missed Payment Penalty
$9
Missed Payment Penalty
$25
Missed Payment Penalty
$35
Redraw Activation Fee
Redraw Activation Fee
$0
Redraw Activation Fee
$0
Redraw Activation Fee
N/A
Redraw Activation Fee
N/A
Loan Profile
Repayment Type
Repayment Type
Variable
Repayment Type
Variable
Repayment Type
Fixed
Repayment Type
Fixed
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
Available to 457 Visa Holders
Features Flexibilities
Redraw Facility
Redraw Facility
Redraw Facility
Redraw Facility
Redraw Facility
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Pepper Money is an award-winning Australian non-bank lender, specialising in personal loans, home loans and car loans. Pepper’s personal loans offer flexible repayment options, where you can choose how frequently you make your repayments, and even pay back your loan sooner. With no establishment fees or ongoing account -keeping fees, you can manage the cost of your personal loan and avoid hidden surprises.

Pepper personal loans are 100 per cent online, so you can quickly and easily apply in the comfort of your own home. Whether you apply online with your computer or use Pepper’s purpose-built mobile-friendly application, your personal loan application can be completed in as little as 15-20 minutes.

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