Pepper Money is offering reviewers that provide a review, that is either positive or negative, the chance to win one $250 voucher. This is drawn randomly at the end of each month. This incentive campaign ends on December 31st, 2018. It is possible that the reviews below are written by reviewers that may have received this incentive. For more information, you can read .
I got a loan with Pepper approx a year ago, I was stung 20% interest as pepper said something was on my CRA . I went to Equifax, nope nothing on my CRA . So I went back to Pepper and said their has been a mistake. I was told I can refinance the loan to a cheaper rate down the track. Zoom to today I attempted to do that interest hiked up to 24% with the " new " loan. Went back to Equifax, nope nothing on my CRA again and they consider my CRA good. Then went back to Pepper. Nope won't address so I am jumping off the merry go round and am off to AFCA as the interest issue is as clear as mud. But definitely check your CRA with Equifax BEFORE you accept any loans from pepper. Coz they don't fix it if it's wrong.
Pepper Money - incredibly helpful & caring
When we were unable to sell our house in this current climate the bank just wanted their money back and couldn't help us.
We applied to Pepper Money with all the same details for the bank. Pepper Money said yes we can help you. They have saved us from financial ruin. Thank you
When the other Bank won’t
My home loan financier prior to Pepper wasn’t interested helping me sort out some financial issues I found myself in. Pepper put me on the right path and at a very competitive rate
Lump sum pensions
Would not accept an annual lump sum pension as income.Although very upbeat at the beginning with the " your loan is approved and waiting for you. " and was told this pension would be fine. I served Australia in the RAN for 20 years and paid into this pension fund. No trying to work things out. Just sorry we don't accept lump sum payments as income. People , Find other lender. Your local mafia don perhaps. Very disappointed from a company that promises a lot but delivers frankly nothing except a hit on your credit rating.
Careful & considered.
Pepper Money is careful and considered . You don't want a bank throwing money at you if you can't afford to repay . I never thought this day would come . Courtesy call from Pepper was a great touch to make sure I understood everything or had questions . Easy direct payment setup.
Just changed over to Pepper from one of the big 4.
Nice to recieve the welcome letter and phone call today
Easy direct debit setup and access to account and offset
Early days as we’ve just settled on new house. Pleasantly surprised to receive courtesy call from Pepper today to ensure we were happy and understood repayment dates etc..so far very impressed. Thank you
Terrible, heartless vultures and even worse customer service.
Terrible throughout my time with them. Vultures who acquired GE's old homeloan book and immediately set out to either take the home or overcharge on fees for late mortgage payments - at the height of the banker induced GFC mortgage stress. AVOID, AVOID, AVOID! Don't believe the positive accounts on here. A while back it became obvious Pepper staff were placing fake positive feedback responses. Read and compare; it's quite apparent. Use only if DESPERATE and get away as quickly as you can from them. No Stars.
Thanks to Rosie and Pepper
I got in touch with Pepper and Rosie when I was going through a divorce and needed to refinance the family home. Rosie was amazing in getting everything organized for me. Have been with then for a year now and am very happy with the service. Great alternative to the big banks.
I would never again deal with pepper money
un experienced and useless staff
Hopeless business to deal with
Customer service was disgusting and horrible
I would never deal with pepper money ever again
Pepper Money Customer Service is worst than Mac Donald’s. If you are desperate for a loan, please don’t use Pepper Money if your life depended on it. They will bleed you dry and won’t think twice about you. I’m am stuck with them for the next 5 years. I beg you not to make the same mistake as me.
Bad experience with personal loan!
If you are going for a personal loan, the best thing is to go with a bank. They may charge you a monthly fee but help you to get your loan. Don't waste your time here for days sending documents and application. When I was applying 3 percent less than it was. Then the credit team reviewed it and said there was a mistake from my side and no longer proceed all I end up getting two unwanted credit check after years from pepper. Still waiting to hear from veda. I am happy though, after reading all the past comments. One thing they improved over the years, good customer service!
Perfect for first Home Owners
I have been overjoyed by my two experiences. I do not feel that I would have bought a house when I did if it wasn’t for Pepper Money. I am single and bought my house under age 30. They also then assisted me with a personal loan which then turned into discussions regarding refinancing and consolidating the two debts into one. With this refinance, I plan to create a five year plan to assist me with my finances and look at an investment property in the future.
It would be fantastic if there could be one case worker to a client for the life of their loan as each time I call, I feel as though I have to explain my story to a new customer service person.
It is getting harder and harder for young people to get into the market. I genuinely recommend first home owners to look at Pepper, to get your foot in the door and purchase a property.
I am happy to discuss this review with Pepper staff as well.
Only had loan for a week...everything off to good start tho...very helpful in setting up loan and online access...good beginnings
Good service but sluggish loan turnaround
This is the second time we've borrowed with Pepper, and our experience this time has been far better than the last. Our current loan consultant, John, has been fantastic, and we've been offered reasonable interest rates given our financial situation (they are by no means cheap rates though).
On the downside the loan approval process is pretty slow... it can take up to a week in each stage of the approval process for the assessors to actually review an application.
Overall good service, and they will bend over backwards to help you out - even when other lenders have already knocked you back. From our experience don't expect the loan process to take anything less than 4 weeks though, most likely more.
Excellent service and professionalism
Urgent home loan! I have to mention both Rosie and Raymond. They were quick and efficient. Helped me with all my questions in a timely manner. They kept me up to date and I was able to settle my property 3 days after my settlement date. Any normal lender I would daresay I wouldn't have made it in time at all. Keep up the good work.
Very helpful staffs and quick service thanks Rosie
Me and my husband had some issues with our home loan and the house we bought are so close to settlement day, we are devastated that we might lose the house and deposit we have paid. My husband contacted with Pepper and the staff name is Rosie helped us, she is very helpful and get us loan approved very effectively, very appreciate her help and after we have the loan approved, all the staffs we have been dealing with are very helpful and friendly
Outstanding Customer Service
I received my welcome phone call today, and was blown away by the very polite and helpful lady on the other end of the phone! After speaking with me, she sent an email within mintutes. Outstanding service!
How long until funds are in?
Hi. We been approved for refinancing our home and We have mailed all finalised paperwork work for our loan with pepper money on 5th Dec 2018. We refinanced through a broker. we are just waiting on funds now. How long will that take?
Excellent customer call..
Stacey was very friendly the minute I received her courtesy call. Very helpful with the information provided about my loan settlement, giving me a comfortable feeling that help and contacts are available if needed from Pepper. Thanks Stacey for your call, so I am not in the dark. This is the customer service experience I am happy to receive. Thank you.
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