Pepper Money exceeded our expectations with our personal loan.
While our own bank were not able to help after 20yrs of loyalty. Pepper were understanding and made the whole process extremely straightforward, any questions about the loan we had were answered immediately.
Our interest rate is competitive. with all other alternative lenders out there that help customers that dont fit the "Big 4" criteria!!!
Big shout out and thank you to Alice and Sandra in the Loan Approval Team!!!

Pepper money is the Worst financial company in Australia, don’t even think about it to get your loan here. There is a lot of good non bank company out there. not recommended or get loan at your own risk. Reported to ASIC

Pepper is the worst financial company I have dealt with as they send no communication at all and try to repossess with no reason and loan up to date. Yes I have reported to ASIC as misconduct

I can't thank the happy staff at Pepper Money enough for making my car loan process so easy & fast! They were super friendly. The dreaded paperwork wasn't so bad either.

radio always spammed with this company so i decided to get a loan but they are way to picky i have a job good income no debt instantly rejected nice pepper money what a joke, there's other companies out there that will want your business

When our bank wouldn't quite come to the party, we were recommended Pepper and they sure delivered. Even with some minor hiccups along the way, we still had confirmation in under a week and the exact outcome we were hoping for. Great communication and friendly, helpful staff. Super easy online portal and repayment flexibility.

Why cant all lenders be as pain free and easy to deal with? Doc submission and application completion were a breath of fresh air. So user friendly. Interaction with live staff was effortless and clear.

Its the best experience ive had when borrowing money, it puts my local bank to shame. They reply in person and very friendly. No automated computer responses. Very hapoy and will definetly be recommending to others.

Very helpful and very professional service. Quick to approve and nothing was a hassle and also quick to respond. Highly recommend and will use again and i was very happy with the process.

i was so surprised of the great service i received, they answer all my questions and great help,
i did have some problems with the down loading things on the application but i think that was my thought,
im not the best when it comes to computers, but they had patients and help me step by step,

I took out a car loan 2.5 years ago on an interest rate of 14 percent. I rang to check up on how much is left, to be told that I still have the same original amount because my interest rate us at 17.99 percent.
When I asked the girl why, she couldn't tell me.
NOT HAPPY.

The process took only 2 days for my loan to get approved. I was really impressed how quick they responded. Happy customer. I would definitely recommend Pepper Finance to friends and family.

I called them up to pay my car out and i got slammed with 4k of extra costs just revenue hungry. Its like i haven't paid anything of the car yet i would highly recommend staying away from these pathetic fools!! They can send apologies back to people with their review's but don't do anything to fix it.. if could rate them half a star i would. No wonder why people are going so bad because of crap financial institutions like this pathetic one!

Customer service was terrible. For 6 months I’ve been trying to get pepper to fix a system issue that makes it look like my account is behind a payment and nothing has been done to fix it. I’ve now tried to leave pepper and was told I’d have to pay $700 to get out early. because of this system issue got denied finance elsewhere. Not only was the interest rate higher than I was told it was by the broker I’m now stuck.

While i see many 1 star reviews on here, my experience has been very different. I was offered an interest rate 4.5% cheaper than my current loan and no monthly fee. I found the whole process very each and much better than the big 4 bank i was using

My husband accepted car finance with Pepper without my knowledge. He wasnt savvy on interest rates and basically didnt ask. They have a ridiculous rate as well as all the monthly admin fees. I paid the loan out in half the time and was thanked with a $600 exit fee. Summing it up we paid $17,410 for a $14,000 car over 2 yrs. Please shop around folks and save yourself a fortune.

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.

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.

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