Ready to take the next step?
Get your personalised rate and response in minutes. Then, if your application is approved, you can get back on the road in no time.
Pay for car repairs with a Pepper Money personal loan
If the worst happens and your car suddenly breaks down, it probably won’t just be inconvenient, but could also be stressful and expensive. Your everyday routine may come to a screeching halt. A Pepper Money personal loan could help streamline your finances and pay for those unexpected car repairs.
Our quick and easy online process provides your personalised interest rate and estimated repayments before you apply, and what’s more, it won’t impact your credit score.
Plus, if you’re approved, you could have the funds for your car repair in as little as 24 hours. Get back on the road with a personal loan today.
Why choose a Pepper Money Personal Loan?
No fees~ - for the life of your loan
Find out your personalised rate without impacting your credit score
Secured interest rates starting from 6.75%p.a. comparison rate*
Rates based on your circumstances
Get your personalised rate before applying. It won't impact your credit score.
No fees~
Ditch the fees and save with our no fee~ personal loan. No set up fee, no monthly fee and no early repayment fee.
Quick turn-around
Complete your application and get a response in 2 minutes. Once approved, access your funds within 24-48 hours.
What could my personal loan repayments look like
This personal loan repayment calculator gives you an estimate of what your personal loan repayments could be, based on information you have provided in the calculator. It is to be used as a guide only and does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it.
$ Your indicative interest rate is*
$ Your estimated repayment is
Ready to take the next step? Get your individual rate upfront without impacting your credit score.
This personal loan repayment calculator gives you an estimate of what your personal loan repayments could be, based on information you have provided in the calculator. It is to be used as a guide only and does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it.
Get your personalised rate in just minutes. What's more, it won't affect your credit score.
Secured personal loans starting from
6.75
%
p.a.
Starting rate
6.75
%
p.a.
Comparison rate*
Get to know our car repair loan option
Secured or Unsecured?
Secured personal loans generally have lower interest rates than unsecured personal loans as the lender will lodge a security interest over the asset. If you don’t pay the loan, the lender may have the right to repossess the asset.
Find out more on our fact sheet, or call us on 1300 108 794.
Secured Personal Loan
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Interest rates
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Secured fixed interest rates and comparison rates from 6.50% - 18.95% p.a.*
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 -84 months^
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Loan amount
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$15,000 - $50,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
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Repayment type & frequency
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Pay by Direct Debit in weekly or fortnightly installments
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Fees and charges
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We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
- Security registration fee | $0
Unsecured Personal Loan
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Interest rate
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Unsecured fixed interest rates and comparison rates from 6.75% - 20.95% p.a.*
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 -84 months^
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Loan amount
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$5,000 - $50,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
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Repayment type & frequency
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Pay by Direct Debit in weekly or fortnightly installments
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Fees and charges
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We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee | $0
What others are asking about personal loans
You can apply online and complete the online application in as little as 10 minutes. You’ll get your individual rate before you apply. Or you can apply over the phone (1300 108 794) by speaking with one of our friendly Lending Specialists. To view the eligibility criteria, click here.
All of our personal loan applicants are required to have an acceptable form of ID. The ID we require is either an Australian passport (valid or expired within the last 24 months) or a current Australian drivers licence and Medicare card. Depending on the outcome of your personal loan application, we may ask to see some additional documentation.
What we ask for is different for each application, however to speed up the process it is worth ensuring you have the following to hand: Front & Back of your ID documents, Proof of employment and income, Details of your existing credit commitments, Proof of address, Details of your rent/mortgage payments, Bank statements.
Getting your individual rate is quick and easy and won’t affect your credit score. You will know your rate before you apply by clicking on and completing the online form on the get my rate page. You will receive your rate within one minute and this rate won’t change when you continue on and submit your online application.
Unfortunately at this time we do not accept applications for personal loan borrowers that have defaults on their credit report.
You can use your Pepper Money personal loan for almost all purposes. This could be anything from a holiday, home improvements, household furnishings, car purchase or repairs, auto upgrades, debt consolidation, educational expenses, medical and cosmetic surgery, dental surgery, mortgage cost funding, vehicle deposit funding, and even a wedding, funeral or sporting equipment.
We do not offer loans for the following purposes:
- Debt consolidation of Pay Day lender debts
- Payout
- Rental
- Mortgage and credit arrears
- Payment of defaults and judgements
- Loans for business purposes
Need some help with your personal loan?
Whether you’re confused about secured and unsecured loans, or just wondering how the whole process works; our resources are here to make sense of all that finance jargon.
What our customers think about us
The important legal bits
Information and interest rates are correct as of 13 September 2023 and subject to change at any time.
All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms and conditions, fees and charges apply.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
~ ‘No fees’ only applies to new loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.
* Pepper Money Unsecured Personal Loan interest rates range from 6.75%-26.95% p.a. (Comparison rates range from 6.75%-26.95% p.a.) and Secured Personal Loan interest rates range from 6.75%-21.65% p.a. (Comparison rates range from 6.75%-21.65% p.a.). The actual interest rate applicable will depend on the individual borrower’s circumstances and the information verified during the loan application assessment.
^ Loan repayment terms range from 18 to 84 months for secured loans. Repayment terms range from 18 to 36 months for unsecured loans between $5,000 and $7,999, and 18 to 84 months for unsecured loans from $8,000 to $50,000.
Comparison rate is calculated based on a secured loan of $30,000 and a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
