Pepper Money · Personal loan · Unsecured · Fixed
Unsecured Personal Loan
As of 1 October 2026, the Pepper Money Unsecured Personal Loan has a comparison rate of 5.95% (from 5.95% advertised), ranking 1st of 89 unsecured loans tracked by BankMate and sitting 4.59 points below the unsecured market average of 10.54%. It is an unsecured fixed-rate loan for any purpose with fees of no fees. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.
from 5.95% advertised · Unsecured · fixed · any purpose
No application, monthly or annual fee.
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rate over time
Comparison rate · lenders publish the lowest rate in their rangeNo rate history has been recorded for this loan yet.
Changes
No history has been recorded for this product yet.
Rates
- Advertised rate
- from 5.95% p.a.
- Comparison rate
- 5.95% p.a.
- Rate type
- Fixed
Fees
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
Loan terms
- Loan amount
- $8,001 – $50,000
- Loan term
- 18 months to 3 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- No
- Flexible repayment frequency
- Yes
Eligibility
- Minimum age
- 18
- Residency
- Australian residents only
About this product
A unsecured personal loan with no fees, competitive rates and loan amounts from $5,000 to $50,000 over terms of 18 months to 7 years. No security required.