Pepper Personal Loans

I had a fantastic experience with Pepper Money from start to finish. The entire process from applying for the personal loan to signing the final contract was smooth, easy, and incredibly efficient. Everything was handled promptly, and the communication throughout made the experience stress-free. It was clear the team was focused on making the… Read more ·  1

process as straightforward as possible. I would definitely recommend Pepper Money to anyone looking for a simple and reliable lending experience.

Extremely unorganised and painfully slow. Customer service is poor, I was even hung up on during a call. Despite repeated requests, they still haven’t released the PPSR. Completely unacceptable and very frustrating to deal with.

From start to finish, apart from internet problems my end, everything finally worked out well. Everyone at Pepper Money were friendly and were able to help me (I'm not tech savvy). I couldn't fault this experience. Show details ·  2

Outstanding, quick service and prompt responses everyone was done online and had my loan settled within 4 days. The customer service representative was extremely helpful with everything that was required from me A+++++ Show details ·  1

Amazing service, have dealt with many providers in the past but Pepper surpassed everyone for quality of service and speed of loan. Will use again if I ever need to. A+ service! Show details ·  1

Easy online loan application with quick response and fantastic customer service. Consolidation loan has been life changing; reducing interest payments substantially and easing cost of living issues. Thank you pepper money! Show details ·  1

Pleased to get my loan but almost lost the purchase due to process taking a week longer than it needed to as initial contact person kept asking for irrelevant documentation as they didn’t seem to understand that I had already given them more than initially required anyway. They were always conveniently on their lunch break when I called regardless… Read more

of what time of day it was. Credit assessment team were a couple of hours turnaround so very happy with them. Just the week it took to get there. Perhaps more training for first contact / info collecting staff.

Extremely lengthy process, didnt explain very well what was required from them or provide examples until the 3rd or 4th time trying to complete something, very stressful with the lack of urgency shown by the company when this are same day requirements Show details

Partner and I paid off her finance through Peoper in 2023, every couple of months they still withdraw $100 randomly from our account. Good luck trying to get them to discuss the isssue with you, all we get is an email saying “someone will contact you soon to discuss”. Joke of a company stay away, thieves.

I found the loan process quite easy, I can always speak to someone on the phone or they respond to my emails promptly. Very happy with this lender. The best thing was they didn't make me feel like a second class citizen for needing to consolidate Show details ·  1

Excellent process to follow . No time wasting especially when there is a lot going . Talking to customer service was great when needed to clarify something and wait time was under 5mins which is very handy and not queue for over 30mins. Show details ·  1

I am a returning customer to Pepper Money. Both times they’ve been easy to work with. The second time was done completely online and was very easy and quick. I would definitely go back a third time or suggest them to others. Show details ·  1

We made an enquiry to refinance a current loan (with Pepper money) and they valued the vehicle almost 30k less than the current value of the vehicle. It appears the valuation pepper money provided was based on an entirely different car (V6 and not a V8). We do not recommend Pepper Money.

I can't fault Pepper. I've used them on a few occasions now. The service is excellent and the loans come through pretty much the next day. No early payout fees is what I like and no ongoing monthly fees. I would prefer if they looked after returning good customers with a little better interest rates. Show details ·  1

Working with Pepper Money to refinance my existing loan was a very easy and convenient transaction. From my first enquiry to receiving my loan Wilmer was always keeping me up to date with the progress of the loan. Having access to your own portal is a great tool. Well done Pepper Money keep up the good work and I also received a phone call when my loan was debited to my account excellent customer service. Show reply

My brother recently applied for a car loan through Pepper Money after finding a great deal on a used Holden Colorado via Facebook Marketplace. After comparing lenders, he felt confident going with Pepper, but what followed was a frustrating and drawn-out process that ultimately jeopardized the purchase. We met with the seller in person and… Read more

confirmed the vehicle was in excellent condition—arguably one of the most affordable and well-kept examples currently on the market. We then informed the broker, who initially told us the funds would be released within 3–4 business days. That turned out to be completely false.

Over the next week and a half, we encountered repeated delays, including "technical issues" that allegedly prevented them from sending required documents to the seller. Despite already providing the requested photos, the seller was asked for more images, causing additional frustration. This ongoing back-and-forth with no clear progress made it hard to keep the seller engaged.

Just as the loan was finally nearing approval, my brother received a call from Pepper Money informing him that the loan would need to be changed from a two-year term to a three-year term. This effectively increased the total interest he would pay. It felt like a pressure tactic—knowing we were on a tight timeline and the car could be sold to someone else at any moment, they leveraged that urgency to push a costlier arrangement. This last-minute change, framed as a condition for approval, was manipulative and deeply disappointing.

Eventually, we were told the loan was approved and the funds would be released soon—only to be told shortly after that the car was apparently overvalued. This was baffling, considering how reasonably priced the car was when compared to similar listings in the current market. It felt as though the lender had little understanding of the true value of a clean, used Holden Colorado.

Throughout this ordeal, communication was poor, the timeline kept shifting, and the process was inconsistent. I’ve personally had car loans processed before—quickly and without unnecessary complications. This experience, by contrast, has left my brother extremely disappointed and disheartened. It’s likely that the seller will move on and sell the car to someone else, meaning we may have lost a great deal due to delays and poor handling on the part of Pepper Money and their brokers.

This situation has not only wasted our time but also damaged trust. We expected better professionalism, clearer communication, and a fairer process.

STAY AWAY FROM pepper money I’m 22yo and they have ruined my life they are a scam and I have lost thousands to them through a car loan. Not only that but they do communicate or want to talk to you when u have issues Show details

Fast, Easy and no hidden fees – Amazingly quick and easy. Funds were in my account the day after I applied. Happy with the process and being able to pay out the loan quicker if I wanted to as well. Would highly recommend. Show reply

Awesome Experience – Customer Service is AAA+ They are very friendly and professional. Very helpfull and responsive. They kept me updated throughout the whole process. The processing period was fast and smooth. The rates are reasonable and lower than others in comparison. I am grateful to Pepper as they are able to help me. Thank you ! Show reply

Easy approval and fast response! – Getting a personal loan with Pepper Money was so fast they consolidated our debt and we were able to make larger repayments Daryll helped us and responded to all our enquirers, so easy to deal with and the entire process was approved and finalised in a day. Show reply

no hassles personal loan – A no-nonsense application, straight forward, simple, they get the ball rolling. COntract was even easier to settle, a hassel free application with a competative rate, highly recommend personal loans with these guys, great service. Show reply

Loans – Second time I have been with Pepper Money and cannot fault them, prompt, communication on point and Daryll especially has been prompt with correspondence AAA+++ Thie service is second to none. Show reply

Terrible – Totally horrible experience and cannot recommend and have made an official complaint to AFCA. Declined a loan for 35K - obvious maladministration in lending and Pepper money is discriminating against me for separating. I believe this is maladministration in lending due my separation and Pepper money rigid lending policies only accepting bank… Read more

statements to verify my income. I even provided BAS statements to verify income sources I had provided to the ATO, and pepper money don’t want to use these as they say they only use bank statements.

I have different tax structures I use for tax minimisation purposes and because of this their assessment of my borrowing capacity is wrong. Not once, did their firm call my employer to confirm any of this information which I had confirmed by my employer, despite compelling their firm numerous times to reach out to confirm this information.

Furthermore, I also lodged a separate complaint with AFCA against Denice Martin, Head of Dispute Resolution at NOW Finance, for the terse handling of my matter. How this person is in a senior management role as head of dispute resolution is astounding!

Very happy and very impressed with Pepper – Excellent communication and simple, clear instructions regarding exactly what was required of us. Daryll was an outstanding support throughout the loan application process. Show details ·  1