Rating based on 33 reviews


  • Personal loans up to $50,000
  • Low-interest starting from 13%
  • Repayment up to 7 years

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Pepper homepage
Author Pepper. Screenshot of Pepper website.
[Accessed June 10, 2018]

About Pepper

Pepper offers eligible Australian clients personal loans with competitive rates and repayment terms.

Although a relatively young company, Pepper has a solid financial backing and has tailored its personal loan offering to suit the modern applicant.

The online application

The online loan application is capably informed by a host of details that presents itself as a smart and well-informed choice. If you’re looking for a quick application that can be done online this lender will meet your needs.

Information availability

That said, minimum and maximum amounts are not clearly visible on the landing page and in spite of the present detail, simple statements of amounts and repayment periods are initially absent, even when one begins the application process.

A targeted lender

Pepper is targeted, aiming primarily at personal loan applicants with peripheral offerings listed in an uncluttered manner online. Pepper’s byline of “We’re just really good at personal money” holds true.

Pepper Services

Their personal loans are unsecured and, assuming an Australian citizen has the necessary credit rating and documentation, Pepper’s claim that an application from any mobile device or home computer takes 10 - 20 minutes is valid.

Fixed or variable rate interest

The company offers clients a choice of a fixed or variable rate of interest on any personal loan. This means you can choose whichever option best suits your personal needs and, if need be, get a very stable fixed interest rate loan to allow for more accurate budgeting.

Growing by the day                 

Pepper’s services, as presented online, clearly meet the needs of many people, as they are becoming established as a well-known lender and are growing by the day.

Loans from $5000 to $50 000

The time to approval once documentation is received is roughly 48 hours. The Help Center search facility seems to confuse questions about personal loans with mortgage loans, something which can easily be sorted out by calling them directly or visiting them in the branch.

Pepper – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 13%
  • Loan Amount up to $50,000
  • Repayment 12 months to 7 years

Benefits of Pepper

  • Personal loans up to $50,000
  • Flexible loan term up to 7 years
  • Competitive interest from 13%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

With Pepper you can spice up your loan as much as you see fit

Taking its name from the spice trade that was so dramatically shifted by the Ottoman Empire centuries ago, forcing the world to trade differently, the company implies that its paradigm shift for the benefit of the man in the street is its core drive and ethos.

It is, as are all lenders, governed by ASIC and cannot thus flout the standard credit criteria legislated by government.

On the whole, it seems Pepper offers elegance in the online fast loan application process and has many entertaining stories of days gone by for those who are interest in history and the company’s development as a whole.

Charm & graphic aesthetics

Pepper is clearly full of charm and graphic aesthetics, but if you find yourself struggling to find the core details regarding any of their products and services you can view the summary listed here or simply make use of a loan comparison site.

Small personal loans

Pepper is focused on anyone seeking a relatively minor personal loan and their commitment and intent are apparent. Clients can get an unambiguous repayment rate and period and the offering satisfies many.

Get help over the phone

There is telephonic assistance available through and accessing Pepper’s services are best done by logging on and making an initial phone call to clarify a few details that consumers have come to expect as a given on a lending site. 

Calculate your way toward a brighter future

Among all the nifty bells and whistles already offered by Pepper loans, we have one more edition to boast. Our website is home to an online calculator that assist you in finding the perfect loan amount based on the repayment that you can afford. Use our online calculator to plan the best possible budget for your circumstances. Make the informed choice for your financial future with the assistance of Pepper – the lender that cares.

man holding thumbs up

Pepper is a trusted & reliable provider of personal loans

In our review, Pepper adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

Pepper is a registered credit provider in Australia: ACL FSP286655

Customer Reviews & Testimonials

September 2018

Bad credit will no longer be a hurdle to me thanks to Pepper. Since Pepper granted me the opportunity that the other lenders would not, I was able to get the credit that I deserve and improve my ...

Rebecca W
— Hobart —

July 2018

A Pepper loan added the spice to my life that I had always been missing. Trying to save money in the current economic circumstances is difficult which is why a Pepper loan allowed me to get the w...

Marshall E
— Darwin —

Pepper Contact

Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed