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Pepper Personal Loans

Pepper Personal Loans Questions & Answers

4.3 from 272 reviews

22 questions from our users

Sharon H.

Sharon H.asked

My lease finishes in a couple of months and I’d like to return the car. How do I do that?

3 answers
Pepper
Pepper Money A.Pepper

Hi Sharon,
Thank you for your enquiry.
Would you kindly contact us on 1300 308 738 to allow us to provide instruction specific to your account? We're here to help from 8am to 6pm (AEST), Monday to Friday.
Kind regards,
Mikayla

Sharon H.
Sharon H.

Can you provide a number I can call from overseas please?

Pepper
Pepper Money A.Pepper

Hi Sharon,
Please call +61 2 8624 3405 between the hours of 8:00AM and 6:00PM (AEST) Monday to Friday.
Kind regards,
Mikayla

Leeroy

Leeroyasked

Hi, will you loan if partner is on job keeper payments even though loan is not being paid by them, we have both been in our jobs for over ten years, and after job keeper is finished my partner goes back to normal and retains job.??

No answers
Derek

Derekasked

Hi,just asking if I can get a loan for $30000,$16650to pay out car lease and rest to pay out loans.this would free up 1600$ per fortnight to pay off loan quickly.thanks

1 answer
Pepper
Pepper Money A.Pepper

Hi Derek, we can certainly help with that. Please give us a call on 1300 108 794 to discuss the options available to you. You can also visit our website at www.pepper.com.au/lending/personal-loans.
Hope this helps,
Kind regards,
Natalie

newbie

newbieasked

my broker uses pepper money for my car loan. will i get an access on my account how?

3 answers
Pepper
Pepper Money A.Pepper

Hi, thanks for reaching out to Pepper Money. You may want to contact us so we can talk to you about your loan specifically, and we will be able to direct you to our online portal. We will also be able to answer any other questions you may have about your new loan. Our number is 1300 308 738 and we are available from 8am to 8pm AEST. We look forward to hearing from you.
Kind regards,
Natalie

newbie
newbie

Hi i did exactly what you said . Thanks i could see my account now . One more thing how often does pepper money report your repayments history to credit bureaus?
Regards.
Newbie

Pepper
Pepper Money A.Pepper

Glad we were able to assist. Regarding credit reporting, it's best to give us a call on 1300 308 738. Our customer service team will be able to answer your question.
Thanks,
Natalie

John

Johnasked

Hi I am six months into my car loan and now I no longer need my car,can I sell it or trade it in and what would the exit fees be.thanks.

1 answer
Pepper
Pepper Money A.Pepper

Hi John, thank you for contacting Pepper Money. We can certainly assist with your enquiry. Please give us a call on 1300 308 738 to discuss this further.
Kind regards,
Natalie

Michelle G.

Michelle G.asked

Hi, I don't have a Drivers Licence but have a RTA issued Photo Identification Card....does your online application for a personal loan accept this?

1 answer
Pepper
Pepper Money A.Pepper

Thanks for reaching out to us, Michelle. For a personal loan application, we accept the following Government issued ID:

*Driver’s licence
*Passport
*Proof of age card

Hope this helps,

Natalie

Njones

Njonesasked

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
Pepper
Mark P.Pepper

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

Julie Smith

Julie Smithasked

do you leand to people on the disability pension

1 answer
Pepper
Mark P.Pepper

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

jennie

jennieasked

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
Pepper
Mark P.Pepper

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

Sheryl

Sherylasked

So I attempted to apply for a personal loan based on the estimated rate provided after filling in income & expense details. Was happy to proceed further, however after filling in personal details, message said that the rate they can offer would be different (almost double), of course this would not be acceptable so I decided not to continue. There was no reason provided for the change in rate. Are you able to elaborate? Also, would this have initiated a credit query on my file even though I chose not to continue at that stage?

1 answer
Pepper
Mark P.Pepper

Hi Sheryl,

Pepper Personal Loan interest rates vary from 9.99% - 27.99%. We offer an interest based on your credit score and strength of your application. The rates provided at the beginning of the application are indicative and are subject to change based on information received once the application has been completed.
Yes, Pepper have enquired on your credit file and this enquiry will show up on your credit file. If you would like further explanation on your application, please do not hesitate to call our helpful personal loan consultants on 1300 659 430.

Kind regards,

Natalie

Sheryl

Sherylasked

For a personal loan application, what documents will need to be provided for the assessment & how do we submit it?

3 answers
Tonia.May
Tonia.May

This process was very easy and customer service was great. You apply online and then someone from Pepper loans will get back to you and then will ask for documents they need to finilise the application. Everyone has different circumstances so they will ask for documents that require for your situation and will tell you step by step how to provide documents & submit, they are very helpful all the way through they even help set up your repayments that will suit you

Pete
Pete

Sheryl my experience with Pepper Money was very easy. Most of it was digital, I needed to provide info to identify myself and the rest occurred online within the secure portal. I found it really easy, within a matter of an hour I had done everything down to the loan contracts.

Pepper
Mark P.Pepper

Hi Sheryl, thanks for your enquiry.

The application is completed online and the following documents are required, which you can attach to the online application:
• Photo ID (passport or drivers licence)
• 3 months of bank statements showing income deposits
• For self-employed we request individual tax return & notice of assessment 2017/2018
If you need further assistance, please call us on 1300 659 430.

Thanks,
Natalie

Leanne Gregurke

Leanne Gregurkeasked

Can I ask what the establishment fees are? (Car loan) Car under 3 years old
Also is there any penalties in paying out earlier?
thank you.
I am going through a broker and they recommended that I go through you.
Thank you

1 answer
Pepper
Mark P.Pepper

Hi Leanne,

Thank you for your query.

If you are applying for a loan through your Broker, it is best that you refer back to them to confirm rates and fees.

However, if you choose to apply for a new personal loan as a Direct Customer than please call our team on 1300 659 430 option 2. They will be able to discuss the establishment fees and penalties that you may incur.

Kind regards,
Melissa

chloe

chloeasked

the car finance i happened to wanting to go through is peppers money can someone please tell me they are good fianace people and that i will have no trouble with my interest going up at all.

and what are the good and bad outcomes?

1 answer
Mario93
Mario93

Variable interest rates can go up or down. Pepper have been really reliable for me and have gone the extra mile. If you’re in a hurry, It’s sometimes faster to call them to discuss or check on your submitted online forms.

Danny C

Danny Casked

Do you refinance an existing personal loan for a higher amount? I have a current personal loan with pepper but would like a higher amount so I can consolidate some debt.

1 answer
Pepper
Mark P.Pepper

Hi Danny,

Thank you for your enquiry!

Yes, you can refinance your existing Personal Loan in order to increase the amount and consolidate debt. However, 50% must be allocated towards the debt.

In order to do this, you would need to go through the same online application process that was originally completed for the personal loan. When asked for the reason, you will be required to enter 'Debt Consolidation'.

Please feel free to contact us on 1300 659 430 if you have any further queries.

Kind regards,
Melissa.

Kellie

Kellieasked

Is there any early exit fees in personal loan contracts eg. $25000? If so how much is that fee? And Interest rate?
I have an existing car loan and personal loan in which I’d like to consolidate.

1 answer
Pepper
Mark P.Pepper

Hi Kellie,

Thanks for your questions.

At Pepper we offer two types on interest rates, fixed & variable. If you choose the fixed rate and wish to pay the loan out early there will be a $300 exit fee and $150 break fee if you make 3 months worth of extra repayments in a 12 month period. If you choose the variable rate there will be no fees or charges for paying the loan out early.

The interest rate starts at 9.99% and goes to 21.74%.You will be offered an interest rate based on your application and credit score.

We do offer personal loans with the purpose of debt consolidation. You will select this purpose on the starting page of the application.

Thank you, Alice

Mark

Markasked

Can you advise if you have a Lo Doc Accountants declaration unsecured Personal Loan please?

1 answer
Pepper
Mark P.Pepper

Hi Mark,

Thank you for your enquiry.

Pepper do not offer Low Doc Personal Loans. If you are self employed we will require your 2017 tax return and notice of assessment along with your most recent 3 months of bank statements.

If you would like to discuss this further please do not hesitate to give our support team a call on 1300 659 430.

Thank you so much,
Alice

Jocelyn C

Jocelyn Casked

What is requirement for car loan?

1 answer
Pepper
Mark P.Pepper

Hi Jocelyn,

Thanks for your enquiry! We would need to first understand your current position and what it is you're looking for.
This is best done by speaking with one of our Specialists. Some questions we would ask would be:
• Are you working full time, part time or are you self employed?
• Are you renting, do you have a mortgage or staying with family?
• Do you have any defaults on your credit file?

Our Lending Specialists are available to answer any of your questions when you're are, they can be reached on 13 73 77 (please select option 2)
Alternatively, we can arrange a call back to you if you email your details to: assetloans@pepper.com.au

We hope to hear from you.
With thanks,
Tahleah

Heather

Heatherasked

Can you change payments from monthly to fortnightly payments at all?

2 answers
C.B
C.B

We have arranged for the payments to come out weekly now (thank god).

Pepper
Mark P.Pepper

Hi Heather,

If you are completing a new personal loan application and you would like to make any changes or updates to this you are welcome to call our personal loan team on 1300 659 430 option 2.

If you have an existing personal loan and would like to update your payment plan you can also call our helpful personal loan servicing team and they will be able to assist you with your needs on 1300 659 430 option 1.

Thank you,
Alice

Denise W

Denise Wasked

What are real chances of getting loan with poor credit rating

1 answer
Pepper
Mark P.Pepper

Hi Denise,

Pepper Money's Personal Loan is a credit score based product. Your credit score largely contributes to the success of an application and the interest rate you will be eligible for. If you would like to discuss your circumstances please do not hesitate to call 1300 659 430.

Thank you,

Alice

Poly

Polyasked

How much can you borrow

1 answer
Pepper
Mark P.Pepper

Hi Poly,

Thank you for your question.
Pepper Money lend Unsecured Personal Loans from $5,000 to $50,000.

Thank you,
Alice

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