Pepper Money is by far the best bank for all your lending needs because they treat you like a human and not a number. Have options if things change regarding your circumstances and have solutions th... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
My experience was so helpful Susan was kind understanding and very professional. Susan explained everything very clearly, she also gave me options that suited me best in regards to my situation. I Hig... See more
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My lending specialist Catherine and her colleague Divya made our loan journey a breeze. They gave us a very smooth end to end loan experience without any stress or hassles. I will definitely recommend... See more
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The company is always accurate and precise. And very easy to contact. There is many avenues in which one can take to access their loan or make changes. They Friendly staff and never had any issues w... See more
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Company details
Written by the company
We were established in 2000 to help Australians achieve their financial dreams by providing flexible financial solutions that factor in the ups and downs of real life. Since then, we’ve become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand.
Contact info
Australia
- www.peppermoney.com.au
4.7
Excellent
929 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 87% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
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They help me out when it got tuff for me
September 18, 2025
Unprompted review
Reply from Pepper Money Australia
Hi Leander,
It's great to hear that we helped you out during a difficult time.
Kind regards,
Mile
Pepper have been great to deal with
Pepper have been great to deal with, and access to information is not difficult
March 11, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Julie,
Thank you so much for your feedback! We’re really glad to hear that you’ve had a positive experience with Pepper and that accessing information has been easy for you. If there’s ever anything more we can do to support you, please don’t hesitate to reach out.
Kind regards,
Mile
I had an amazing experience
I had an amazing experience, The customer service was great, friendly, knowledgeable, and efficient. They made the entire process stress-free
Tania was very helpful and made sure everything was perfect. Thank you
March 11, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Daniel,
I am happy to hear you had an amazing experience and that our customer service team made the process smooth and stress‑free.
We’re especially glad to hear that Tania was able to make everything perfect for you — we’ll be sure to pass along your kind words.
We truly appreciate you taking the time to share your experience, and we look forward to helping you again in the future!
Kind regards,
Mile
A lender that doesn't pester you about…
A lender that doesn't pester you about anything else bar updates that you need to know about your loan
March 11, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Jamie,
We’re glad to hear you appreciate our straightforward approach and that our updates are clear and relevant to your loan. We’re all about keeping things simple and respectful for our customers.
Kind regards,
Mile
easier to deal with
easier to deal with, clear and precise about loan options, quick approval, very helpful to tailor the personal loan to my needs
July 11, 2025
Unprompted review
Reply from Pepper Money Australia
Hi Suzi,
It's awesome to hear our team provided clear loan options and quick approval. It’s also great to know we could tailor the personal loan to suit your needs. We really appreciate you sharing your experience!
Kind regards,
Mile
Easy process
Easy process, easy approval, quick to pay. Just a seamless process
November 17, 2025
Unprompted review
Reply from Pepper Money Australia
Hi Tracey,
Thanks so much for your 5-star review! I am happy to hear the process felt easy, the approval was smooth, and everything moved quickly for you. It’s great to know your experience was seamless from start to finish.
Kind regards,
Mile
I wouldn't have a home loan if not for…
I wouldn't have a home loan if not for Pepper Money
November 28, 2025
Unprompted review
Reply from Pepper Money Australia
Hi Sandy,
It's wonderful to know we could help you achieve your home loan when it mattered most. It means a lot to know we played a part in supporting your journey.
Kind regards,
Mile
I found pepper money easy to deal with…
I found pepper money easy to deal with and and a good help
March 27, 2025
Unprompted review
Reply from Pepper Money Australia
Hi Dwayne,
Thank you for your feedback! We’re delighted to hear you found Pepper Money easy to deal with and helpful throughout the process. We really appreciate you taking the time to share your experience.
Kind regards,
Mile
happy with the progress the loan took
happy with the progress the loan took
good customer service highly recommended
February 18, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Kayla,
We’re glad to hear you’re happy with the progress of your loan and that you received good customer service. We truly appreciate the recommendation.
Kind regards,
Mile
The best non bank lender I have ever…
The best non bank lender I have ever used. I use pepper for many properties purchases and personal loan needs
Highly recommend pepper for anyone’s lending needs
March 10, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Dale,
It's fantastic to hear that we are the best non‑bank lender you’ve worked with. It means a lot that you’ve trusted us across multiple property purchases and personal lending needs. We truly appreciate your recommendation and look forward to continuing to support your lending goals.
Kind regards,
Mile
I am on my second lending agreement…
I am on my second lending agreement with Pepper money, both car loans.
Pepper money has been hassle free, all I need to do is call and speak to somebody and they are there and helpful to my needs. They accepted me when others wouldn't.
My experience has been Amazing and if a family member or friend asked me if a lender could help them. I would suggest pepper money.
March 10, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Natalie,
Thank you so much for sharing your experience! We’re thrilled to hear that your second lending agreement with us has been just as smooth and supportive. It’s great to know our team has been able to help whenever you’ve needed us, and that we could assist when other lenders couldn’t.
Kind regards,
Mile
Reply from Pepper Money Australia
Hi Luke,
Thank you for giving us 5 stars!
Kind regards,
Mile
Great people to deal with
Great people to deal with. They offer flexible finance products that really work for me. Application process is professional but relaxed. Highly recommended.
March 10, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Kym,
It’s wonderful to know that the application process felt both professional and relaxed. We truly appreciate the recommendation.
Kind regards,
Mile
A trusted company that values their customers
Great customer service and hassle free
March 10, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Glen,
We’re delighted to hear you found our customer service great and the process hassle‑free. We appreciate you taking the time to share your experience.
Kind regards,
Mile
Self Funded Retirees
We are self funded retirees and Pepper Money were the only bank willing to help us out with a small loan for a short while!
March 10, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Brenda,
It’s great to hear that we were able to support you when you needed it most. Being self‑funded retirees can sometimes make borrowing more challenging, so I’m glad they were willing to step in and assist with a short‑term solution.
Kind regards,
Mile
Approve by car loan in minutes
September 15, 2025
Unprompted review
Reply from Pepper Money Australia
Thank you for taking the time to leave us a review, we appreciate your feedback!
Easy to communicate and very patient…
Easy to communicate and very patient with their customers
March 6, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Jeremiah,
Thank you for your kind feedback! We're so glad to hear that communication felt easy and that our team’s patience made a positive impact.
Kind regards,
Mile
Pepper money have been great
Pepper money have been great and very helpful , competitive rates and easy to get a hold of, great service
March 9, 2026
Unprompted review
Reply from Pepper Money Australia
Hi Rinn,
Thanks so much for a wonderful review! We're glad to hear that you found our team helpful, our rates competitive, and our service easy to reach. We truly appreciate you taking the time to give us 5 stars!
Kind regards,
Mile
Not exactly the best experience Poor service
Not exactly the best experience
I have been with Pepper for a few years now but
Opteon valuation is fraudulent and criminal
115000$ below realestate prices
The Manager of the company who offered me the refinance loan deceived me in regards to my credit report. Deceived me by not letting me know I had defaults when I knew I didn't (long story). This put a higher percentage on my loan
Pepper is fine. If you can deal with Pepper instead of going through the 'middle man' then your experience should be a great one
So i have been waiting for a response to the email address I was sent. Still haven't heard a thing from them. Nothing
March 6, 2026
Unprompted review
Reply from Pepper Money Australia
Thanks for updating your review. I’m sorry your experience hasn’t felt clear or fair. I can imagine how frustrating the valuation and the communication around it would’ve been.
Opteon manages valuations independently from Pepper, but the way the process landed for you still matters to us. I’d like to pass this on to the right manager so we can look into what happened and make sure everything was handled properly.
I’m also sorry to hear you felt misled by anyone involved. That’s not how we want anyone to feel when they’re refinancing. If you’re open to it, sharing your contact details to cx@pepper.com.au will help us connect you with the relevant manager who can talk through the situation and give you a clearer picture.
I’m glad your direct dealings with Pepper have been positive, and we want the rest of your experience to match that. If you’d like us to follow this up for you, please reach out and we’ll get it moving.
Kind regards,
Mile
Reply from Pepper Money Australia
Hi Gavin,
Thank you for the nice review and 5-stars!
Kind regards,
Mile
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