Go to pepper group pages > Reference Interest Rates Reference Interest Rates If your loan references a rate such as European Central Bank (ECB) rate, Euribor or Libor, please refer to the table below for the applicable reference rates. These rates apply as of date of publication and do not include your lender’s lending margin which is added to give the gross rate applicable to the individual loan. Where the reference rate is negative a minimum rate of zero percent plus your applicable margin may apply subject to the terms and conditions of your loan. These rates are published to comply with the Consumer Protection Code, (for personal consumers) and the Lending to Small & Medium Sized Enterprises Regulations 2015 (for non-personal consumers). Rates as at 24.11.2021 Period New Rate % EUR1M -0.5700 EUR3M -0.5720 GBP1M 0.06788 GBP3M 0.12100 USD1M 0.09163 USD3M 0.18025 ECB 0 Speak with a member of our Commercial Property Finance team today Call us on 0818 866 666 Email us Repayment difficulties About Us About Pepper Leadership Team CSR Careers News Information Complaints Data Privacy Notice Terms & Conditions Terms of Business Reference Interest Rates Fees & Charges Legal & Regulatory © Copyright 2020 All rights reserved. Pepper Finance Corporation (Ireland) DAC, trading as Pepper Money and Pepper Asset Servicing is regulated by the Central Bank of Ireland. By using our website you agree to the terms and conditions for use of it. Pepper Finance Corporation (Ireland) DAC Cookie Notice Pepper uses cookies to improve your browsing experience. Some cookies are required to enable our website to operate while other cookies improve the performance and functionality of our website. You can find out more about the different types of cookies we use and manage your cookie settings on this website by clicking Manage Cookie Settings. To find out more about how we use cookies please read our cookie policy By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyse site usage, and assist in our marketing efforts. Cookies Settings Reject All Accept All Cookies