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Pepper Personal Loans

Pepper Personal Loans

4.3 from 142 reviews

Very bad service and Interest Rate from 9.99% to 24.99%

I have applied online for PL, the initial Interest rate was 9.99% then to resubmit it again due because they asked me to reduce the borrowed amount, they thought I was desperate, so they offered me the maximum interest rate of 24.99%.
I have an Excellent credit score and I know it, however, Pepper Money told me my score is LOW, they have determined this through an American Credit Agency! Now they told me that my Interest Rate is 24.99%, which is the maximum rate for someone with really bad credit history. I am very confused, I have great credit history, yet they are giving me a bad rate.
Not recommended.

Customer Service
Application Process
Loan TypeFixed Rate

Still waiting for my statement of account

I applied for car loan thru a broker and got that approved thru pepper but the problem is despite paying for a year my loan amount is unchange. I checked with the staff but was given a higher amount that what i applied initially. I asked for the statement twice and assured i ll get it in 24 hours but still waiting. I am disappointed with pepper loan. First and last time. Will never go back to pepper.

1 comment
Hi, It's disappointing to hear about the experience you have had with our service team. It certainly isn't a reflection of the service we aim to provide. Can you please contact us on 1300 308 738 so we can assist you further. Alternatively, please send a private message with your details so we can get in contact with you. Kind regards, Natalie

Hidden fees

Making bulk extra payments on my loan. I'm ahead thousands of dollars and they say my credit rating is great. I was about to pay the rest of my loan and the customer service lady said I will get charged an extra $600 for paying it off earlier than 2022
I am really upset as previously the financial adviser and customer service providers told me the exit fee was only $50

1 comment
Hi Lexy, We're sorry to hear that you’ve had such a negative experience with us. We'd appreciate the opportunity to discuss this with you further. Can you please send a private message with your details so we can get in contact with you? Kind regards, Natalie

No value for loyalty...Existing customer

I'm an existing customer, but got refused for personal loan. no value for the loyalty, excellent history, not even 1 payment missed for almost four years. pathetic got the response after a week of applying. not to comment on interest rate, as it was too high than indicative rate. will not recommend as there are many other options.

1 comment
Hi Roar, Thank you for your feed back, we have referred this back to our credit team. We have been in contact with you via private message to discuss your concerns. Please contact our Personal Loan department on 1300 659 430 if you have any further questions. Warm regards, Rachael

Account is not accessible online.

Staff were great and respectful, but the system itself sucks!!! No proper app to let you access your account online. Every time I call them, they always give me the assurance to just simply click the link and I'll be alright to go. Unfortunately, none of the links emailed to me worked!! I have been ringing them for few weeks now to help me access my account online, BUT NONE OF THEM WAS ABLE TO PROVIDE ME THE CORRECT LINK. Very frustrating company!!! DO NOT BE VICTIMISED by this company!

1 comment
Hi, We're sorry to hear about your recent application and the difficulty you’ve had accessing your loan details online. If you are able to provide some further details, we would be happy to look into this for you. Can you please send a private message with your details so we can investigate? Thanks, Natalie.

Won’t Deal With Them Again

Customer service lady was great and understanding however pepper money are not there to help out the paying customers. Easy solution but won’t help.

1 comment
Hi D.M, We're sorry to hear that you’re unhappy with the customer service you feel you’ve received from us. We'd appreciate the opportunity to discuss this with you further. If you could please contact us via email at customercare@pepper.com.au with your full name and contact details, we will arrange to have one of our team members contact you. Kind regards, Natalie

So easy !!

It was so easy !!
My credit assesor, Sandra ,was very helpful & understanding of someone who's a little technoligly challenged ! & your made feel important with the personal service you receive !!
Definitely not like the big banks or more well known lenders !! My loan gas only just been approved & I've already recommended them to 3 of my workmates.
Thanks pepper!!

1 comment
Fantastic to hear Mick and thanks for recommending Pepper to your workmates! We understand the importance of providing a tailored experience and making the process as simple and easy as possible. We are thrilled to hear that Sandra made this possible for you. With thanks, Natalie

No Major Issues

Acquired the loan thru the company that sold me the bike. Only 1 minor issue, no yearly statement or any statement recieved at all and forgot who the loan was acquired from when wanting to assess pay out figure in the last 5 months of loan. Costomer service was outstanding however.

1 comment
We're thrilled to hear how happy you are with the service our Pepper Customer Service team have provided and thanks for the feedback you've offered! In order to obtain an up to date statement, you can request this via the online portal or contact our Customer Service team on 1300 659 430. Warm regards, Rachael

So much easier than i expected

I was absolutely stoked with the simplicity of dealing with Pepper Money. After seeing the brand on the Harli White race car last year I wasn't sue what PM were about but gave them a search anyway. When the time came to shuffle some funds the Pepper Money system was so easy to apply through and so transparent I didn't hesitate to go through with it.
From first click to last it was seamless and simple. Better than begging a bank by far. A brilliant customer experience from beginning to end.

1 comment
Wow Pete ! Thank you so much for your wonderful feed back and for sharing your personal experience with us! We would like to extend a warm welcome and our appreciation to you for choosing to partner with Pepper for your lending needs! :) Warm regards, Rachael

Very Thankfull

I applied for a personel loan to help pay for my daughters wedding and am so grateful for Pepper money. The process was quick and easy and has made life so much easier and less stressful for this occasion.

1 comment
How exciting Tonia! Thank you for your feedback! Our team is dedicated to providing the fastest, smoothest and most efficient process possible so it’s great to hear that you were so satisfied with our service. Kind Regards, Rachael

Super happy!

I took out a Personal loan with Pepper to help pay for my upcoming wedding and the loan submission process was a breeze! Super quick and exactly what I wanted. My Fiancé and I are wrapped we can now afford the wedding we want. Thanks Pepper!

1 comment
Congratulations on the engagement how exciting! Thank you for taking the time to share your positive experience with us at Pepper. Welcome to the Pepper family ! :) Warm regards, Rachael

Fantastic Service

Hi, I am Mohammad. It was very nice and easy to get the approval. Very quick response. Happy to do business with them.

1 comment
Thank you for taking the time to share your experience Mohammad. We're glad to have you join the Pepper family! Warm regards, Ashleigh

So Thankful

Awesome Service
Vey helpful and understanding
Thanks to Pepper Money I can now sleep easier and have had a massive weight lifted off my mind

Thank you Pepper Money

1 comment
Hi Charlie, We are so happy to hear of your positive experience with us. It is our pleasure to have helped provide you with ease and peace of mind. Thank you for sharing your review with us. Kind regards, Melissa

Great easy service

I was actually introduced to Pepper Loans through a broker. I had heard of them prior but didn't know much of them, but the broker did assure me they are quite good. (I had used the broker a few times, so trust was built).

I has almost been a year, and I am very happy with the the product, the service has been excellent, and also, they allow me the most flexible arranges towards payments, either weekly, fortnightly or monthly on a day I choose. My previously car finance company would not budge on this.

I have to applaud Pepper for this flexibility as this help any person (or family) to budget and meet there commitments. Every payment has been deducted on time, the correct amount and never been any issues. Service likes this, invites repeat business and work of mouth referrals. Thank you Pepper!!

1 comment
Thank you for taking the time to share your review with us. We are glad that you were happy with our services as we constantly strive to ensure that our customers have an overall positive experience. We would like to welcome you to the Pepper family and we look forward to continuing this journey with you! Warm regards, Melissa

Other lenders don't come close.

Pepper saved my a$$again.
Cash injection required for urgent consolidation/renovation.
Personal loan approved with astute guidance & aptitude from credit assessor.

1 comment
Hi Mario, Thank you for sharing your feedback with us. It’s great to hear that we were able to get you out of a tough situation. All the best with the renovation! Kind regards, Ashleigh

Excellent service fast!

The online application is quick easy & No fuss at all.
The service is excellent & I can't fault anything it is rare to find this in the financial industry & I can only see it getting better from here especially having staff that respect customers being treated like a number these days is the norm for most lenders but it is not the case with pepper money so bravo to you :)

1 comment
Hi Cheree, Thank you for taking the time to share your experience with us. Applying for a loan should be hassle free and we are so glad we were able to provide you with exactly that! Its always refreshing to hear positive comments about our staff too, thank you! Welcome to the Pepper Family! Kind regards, Ashleigh

Pepper Personal LoanPleasure

Relaxing at home while applying for finance - Simple to complete. A pleasure to go trough a process without IT glitches and upload problems. Personal contact for one more form please? thank you, goodbye - MONEY'S IN THE BANK.

1 comment
Nothing is better than applying for a hassle free loan. At Pepper we ensure that our application process is simple and easy for our customers. We are glad that we were able to provide you with a positive experience and welcome you to the Pepper family! Warm regards, Melissa.

Have a crack at PEPPER Finance

This Company has literally SAVED me financially, twice. Both instances were under rare and dire life circumstances. I had tried (a few places) to obtain financial aid and was turned away. A friend of mine who works in the Finance Industry suggested that I try PEPPER and I have never looked back. Not only did their extremely approachable and empathetic Staff save me financially, but Psychologically as well. I am forever grateful. I highly recommend PEPPER to anybody who is looking for a rapid and very satisfying solution, Helen.

Hi Helen, We are extremely happy to hear that we were able to assist you in overcoming your financial stresses. We understand how tough it can be to obtain a loan and strive to help relieve the pressure that individuals often face. Thank you for sharing your experience with us, and we would like to welcome you to the Pepper family. We look forward in continuing this journey with you. Warm regards, Melissa.I am absolutely honoured to have the opportunity to share my experience with PEPPER. A large portion of people read Company / Product reviews nowadays to assist us in making choices. As a very grateful PEPPER CIient (family member


Extremely pleased with how diligent Pepper were with their process in me obtaining the personal loan. It was made so easy for me to process.

1 comment
We are so glad to be able to help you in obtaining a personal loan. We strive to ensure that applying for a loan is made easy and we are so happy that you experienced this with us. Welcome to the Pepper family! Warm regards, Melissa.

Excellent service

The process from start to finish was very easy. All contact with Pepper Money was professional and competent with the focus on the customer.

1 comment
Hi John, Thank you for sharing your experience with us. We are delighted to hear that you were happy with our service as we constantly strive to ensure our customers are satisfied with what Pepper has to offer. Welcome to the Pepper family! Warm regards, Melissa.

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Questions & Answers

Hi what's the application process? My wage goes into my partner's nominated bank account. Do you use bank statements or the online bank link? Ive had the same job for 20years
1 answer
Thanks for your enquiry. You can apply for a personal loan online via our website at Pepper.com.au. We verify your income from your bank statement and via the online bank link. Please contact our Personal Loan Team on 1300 659 430 for further clarification. Kind regards, Natalie

do you leand to people on the disability pension
1 answer
Hi, We do not take Centrelink payments as the sole source of income. Therefore; if the majority of your income is not from employment, we would not accept disability pension. Hope this helps. Natalie

Hi, Can these loans be done in joint names or only one? Both hubby & myself are on pensions will you accept this as income? Cheers Jennie.
1 answer
Hi Jennie, thanks for your enquiry. We do not offer joint applications, therefore the application will need to be completed under just one person. We accept age pensions however any other source of Centrelink income will need to be in conjunction with income from employment- it cannot be the sole source of income. If you would like to discuss your particular scenario, please call our helpful personal loan consultants on 1300 659 430. Kind regards, Natalie

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