Meet Simon and Sandra...

Simon and Sandra* are married, have two children, and want to consolidate their debts to finance a renovation.

family of four laughing on sofa



  • Simon and Sandra are married with two children.
  • Simon has been working casually for 8 months  as a driver, while Sandra works part-time in a customer service role.    
  • Simon had previously been employed for 24 months in the transportation industry. They wanted to consolidate their debts in order to fund a renovation.


Real life solution

  • After reviewing Simon and Sandra's situation, Pepper Money was able to offer an unsecured personal loan. It comes with no fees** and allows for:
    • 4 debts to be consolidated, including car loan, personal loan and two credit cards

    • Casual employment with a minimum of 6 months continuous service

    • Loan terms between 18-84 months

    • Loan amounts between $5,000 and $50,000


Personal loan used for car finance

No fee personal loans - Help your clients make their goals a reality

Apply online or get your client's individual rate upfront without it impacting their credit score.

All applications are subject to Pepper Money's normal credit assessment, loan suitability criteria and lending limits. Terms, conditions, fees and charges apply.
* Fictional scenario. These case studies are based on real-life examples, are not testimonials and have been provided for educational purposes only. They are 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. Outcomes will vary depending on the applicant’s individual circumstances. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
**No fees apply. However, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.
^The personalised interest rate may change if incorrect personal information or security details are provided.  In some circumstances, the credit provider may require further information in order to provide a personalised interest rate.

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