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Get your personalised rate and response in minutes. Then, if your application is approved, you can start bringing your home furnishing vision to life.
Finding the perfect furniture for your home should be an exciting time. You’ve decided to ditch the flat-pack and invest in quality pieces that could last a lifetime. Whether it’s a luxurious lounge suite or a gourmet dining setup, costs can quickly add up.
If you’re looking to furnish your new home or spruce up your current space, a Pepper Money personal loan could be an option.
With no application or ongoing fees~, a Pepper Money personal loan could help manage your cashflow for bigger ticket items. You’ll know your monthly repayment, interest rate and loan term and not need to worry about paying interest on an outstanding credit card balance.
With unsecured loans starting at just $5,000, you can set a budget to spruce up your home with ease. Plus, with our flexible loan terms, you can choose to pay your loan back over 18-84 months.
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*
$ Your indicative interest rate is*
$ Your estimated repayment is
Get your personalised rate and response in minutes. Then, if your application is approved, you can start bringing your home furnishing vision to life.
We don't charge any fees
We don't charge any fees
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:
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.