Flexible Loan Options To Suit You

Home Loans

We're the home of flexible home loan options. We look beyond your credit score to get to know the real you.

Car loan and financing from Pepper Money

Car Loans

With flexible options to manage your repayments, low fees and bonuses for EV drivers, our car loan options make it easier to get on the road.

Explore Car Loans

Personal Lending

From caravans to consolidating debt, our loan options can help you realise your ambitions.

Explore Personal Lending

We're here to help you succeed

Financial Support

Having difficulty making your repayments? Let us know sooner rather than later.

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Home Loan Hub

Get the most out of your existing home loan.

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We're here to help you succeed

We look beyond your credit score
Talk to real people about your needs
We find real-life loan solutions

Explore our Customer Support Hub

Our variable rate home loan interest rates

2 year variable rate home loans starting from

p.a.

For up to 55% LVR*

p.a.

Comparison rate^

For new owner occupier variable rate home loans, making principal and interest repayments. Up to 55% LVR. View our full interest rate range.

Our fixed rate home loan interest rates until 12 May 2023^~

2 year fixed rate home loans starting from

p.a.

For up to 55% LVR*

p.a.

Comparison rate ^

For new owner occupier fixed rate home loans, making principal and interest repayments. Up to 55% LVR. View our full interest rate range.

Customer Support Hub

Whether you're looking to get the most out of your existing home loan, are seeking handy tips on managing your finances, or need financial assistance during tough times, we're here to lend a hand.

Learn more

Customer Support Hub

Whether you're looking to get the most out of your existing home loan, are seeking handy tips on managing your finances, or need financial assistance during tough times, we're here to lend a hand.

Learn more

What our customers think about us

4.2

from 1,215 reviews

Read all

Loving Pepper Money

Your product is great. Forms are user friendly. Rates competitive. I’ve had a great experience. I am currently applying for my third home/investment loan with Pepper and I have recommended them to family and friends. Team Pepper all way.

Ben, Australia

Refinancing with Pepper was the perfect choice.

Refinancing with Pepper enabled us to access equity in our property when our previous lender would not. This enabled us to purchase an investment property for our future. The loan approval process was quick and stress free.

Teressa, Sydney

Car loan heaven

I applied for a loan through Pepper early in the morning, by the time I had gone looking at cars and found one that I liked pepper had already conditionally approved me and by the end of the day, it was all settled. Can't recommend pepper enough with their speed and customer service second to none.

Robert, Queensland

Thanks for making it happen!

Highly recommended. I tried with banks and other financial institutions but couldn’t get it due to my average credit rating because I had applied few times that affected my credit. So I tried a personal loan with Pepper Money thinking I wouldn’t get it either, but got it approved, I couldn’t believe it.

Khalid B, Australia

Best home loan experience by far!

This was our 4th property purchase and 1st time using Pepper - who had the best all round home loan process we have ever been through. Great rates, offers and types of loans. Super fast application process, great communication and absolutely no hassle. We'll definitely use Pepper Money again.

BB and Ro, Sydney

No idea how grateful I am

Before I applied I checked the reviews and like the reviews state - they were amazing. I applied on Friday for a funeral and received acceptance on Monday morning. The rate is great and I just cant believe how quick I received a response. The most stressing time of my life and Pepper came around.

Telia, Queensland

Quick, easy, and great communication

Pepper Money helped me consolidate my debts into one loan. The process was so easy, I was actually shocked how quick it was. Everything was done online and it was the best experience compared to other loans I've applied for in the past. If I ever need a loan in the future, I’ll be applying to Pepper Money again.

Fezzy, ACT

Loving Pepper Money

Your product is great. Forms are user friendly. Rates competitive. I’ve had a great experience. I am currently applying for my third home/investment loan with Pepper and I have recommended them to family and friends. Team Pepper all way.

Ben, Australia

Best home loan experience by far!

This was our 4th property purchase and 1st time using Pepper - who had the best all round home loan process we have ever been through. Great rates, offers and types of loans. Super fast application process, great communication and absolutely no hassle. We'll definitely use Pepper Money again.

BB and Ro, Sydney

Refinancing with Pepper was the perfect choice.

Refinancing with Pepper enabled us to access equity in our property when our previous lender would not. This enabled us to purchase an investment property for our future. The loan approval process was quick and stress free.

Teressa, Sydney

No idea how grateful I am

Before I applied I checked the reviews and like the reviews state - they were amazing. I applied on Friday for a funeral and received acceptance on Monday morning. The rate is great and I just cant believe how quick I received a response. The most stressing time of my life and Pepper came around.

Telia, Queensland

Car loan heaven

I applied for a loan through Pepper early in the morning, by the time I had gone looking at cars and found one that I liked pepper had already conditionally approved me and by the end of the day, it was all settled. Can't recommend pepper enough with their speed and customer service second to none.

Robert, Queensland

Quick, easy, and great communication

Pepper Money helped me consolidate my debts into one loan. The process was so easy, I was actually shocked how quick it was. Everything was done online and it was the best experience compared to other loans I've applied for in the past. If I ever need a loan in the future, I’ll be applying to Pepper Money again.

Fezzy, ACT

Thanks for making it happen!

Highly recommended. I tried with banks and other financial institutions but couldn’t get it due to my average credit rating because I had applied few times that affected my credit. So I tried a personal loan with Pepper Money thinking I wouldn’t get it either, but got it approved, I couldn’t believe it.

Khalid B, Australia

Home of loan options

Home Loans

Car Loans

Personal Lending