Pepper Personal Loans Questions & Answers

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

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

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

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

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

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

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 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

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

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

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

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.

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

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

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: [email protected]

We hope to hear from you.
With thanks,
Tahleah

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

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

Hi Poly,

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

Thank you,
Alice

Hi Jaybo,

The 48 hour turnaround time is business days. This does not include weekends.

Thank you very much,
Alice

Hi Adrienne,

Thanks for your question.

We do provide personal loans to customers who receive casual income. If this is the case you would be required to have been at your current casual employment for at least 12 months.

We do not offer guarantor loans.

Thank you,
Alice