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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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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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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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 81% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
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No fuss lending and easy to deal with
No fuss lending and easy to deal with, great customer service
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Andrew,
We're delighted to hear you found the lending process straightforward and our team easy to deal with. It's wonderful to know we were able to deliver.
Kind regards,
Mile
Reply from Pepper Money Australia
Hi Mark,
We appreciate you giving us 5-stars!
Kind regards,
Mile
easy to deal with
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Bonny,
Thank you for your 5-star review.
Kind regards,
Mile
Customer service is awesome
Customer service is awesome. The staff was with me all the way until I received the fund.
Pepper money has approved me twice already when other lenders rejected or declined.
1 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi James,
We're thrilled to hear that our team supported you every step of the way and helped make the process a positive experience.
Kind regards,
Mile
Pepper Money is by far the best bank…
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 that work.
I could always get hold of them, I cannot recommend them enough
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Heidi,
Your recommendation means a great deal, and we truly appreciate you taking the time to share your experience with Pepper Money.
Kind regards,
Mile
Pepper Money was amazing for my…
Pepper Money was amazing for my situation and got my home loan sorted out very quickly. I had a really great experience using them and have already recommended them to family and friends interested in purchasing their own homes.
5 March 2026
Unprompted review
Reply from Pepper Money Australia
Hi Ash,
Thank you for sharing your experience! We're delighted to hear that we could help get your home loan sorted quickly and that the process was a positive one for you. It means a lot that you've already recommended Pepper Money to your family and friends.
Kind regards,
Mile
Prompt
Real assistance when all other leaders drag their feet to approve
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Steven,
Thank you for your feedback. We're pleased to hear that we could provide the support you needed when it mattered most.
Kind regards,
Mile
Great company and you speak with real…
Great company and you speak with real people very easy to do business with
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi,
Thank you for a lovely review, we appreciate you giving us 5-stars!
Kind regards,
Mile
don't often write reviews for finance…
don't often write reviews for finance companies, but Pepper Money deserves recognition for how they treated me during a very challenging financial period.
Life doesn't always go to plan, and when my circumstances changed, Pepper worked with me respectfully and pragmatically rather than making an already stressful situation worse. Their hardship team communicated well, listened, and helped me through a difficult time. That level of empathy and professionalism made a real difference.
My main criticism is the online customer portal, which has historically been quite clunky and difficult to navigate. It has improved over time, but I think there's still room to make it more modern and intuitive so customers can more easily manage their loans and access information.
Overall, my experience has been a positive one. Good customer service is often measured by how a company treats people when things go wrong, not just when everything is running smoothly. On that measure, Pepper Money has earned my respect.
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Brian,
We’re honoured to have earned your trust during what sounds like a very challenging period.
We’re particularly pleased to hear that our hardship team was able to support you with empathy, respect and practical solutions when you needed it most. We understand that financial difficulties can be stressful and helping our customers navigate those situations with care is incredibly important to us.
We’re grateful for the opportunity to have supported you and wish you all the very best for the future.
Kind regards,
Mile
Service is great
Service is great, online portal helps keep track of loan easy without having to call up all the time. We have nearly completed our 7year lone with pepper money and couldnt fault them through the whole process.
23 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Tamara,
We're thrilled to hear that you've enjoyed great service throughout your journey with us and that our online portal has made managing your loan simple and convenient.
Kind regards,
Mile
They appear to be a very helpful…
They appear to be a very helpful service to the community with manageable loans available and easy application available and value for money a very good service.
26 June 2026
Unprompted review
Reply from Pepper Money Australia
Hi Michelle,
We're pleased to hear you found our loans manageable, the application process easy, and our service good value for money.
Kind regards,
Mile
Pepper Money worked within a tight time…
Pepper Money worked within a tight time frame to secure full finance approval. Our experience with staff members was positive and we have no hesitation to recommend them to other people looking for a fast practical solution to get your loan approval.
22 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi,
We're glad to hear that our team was able to work within your tight deadline to secure your finance approval and provide a positive experience along the way.
Kind regards,
Mile
left an impression
I just wanted to share how impressed I was with the customer service I received today. The representative was incredibly polite, clear about my options, and made the whole process feel easy. I ended the call feeling relieved and genuinely supported. It was one of the best customer service experiences I’ve had in a long time. Thank you.
21 July 2026
Unprompted review
Reply from Pepper Money Australia
Thank you for your kind words. We're delighted to hear that you had such a positive experience and that our team was able to make the process clear and easy for you. We appreciate you taking the time to share your feedback.
Kind regards,
Ceejay
I am so very grateful that pepper money…
I am so very grateful that pepper money is willing to help people like me in my situation that I am going through this tuff time I appreciate everything they do thank you so so much of helping me and understanding of what I am been going through thank you so much
22 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi James,
We're truly grateful for sharing your experience. We understand that challenging times can be incredibly difficult, and we're pleased our team was able to provide support, understanding, and assistance when you needed it most.
Kind regards,
Mile
My restructuring was complex and had…
My restructuring was complex and had limited timeframes due to a major lender changing their policy 1 week prior to settlement.
Pepper assisted and worked hard to ensure the settlement occured from start to settlement in 2 weeks.
Thank you ALL!
17 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Cinci,
Thank you for sharing your experience. We understand how difficult it can be when circumstances change unexpectedly so close to settlement, and we're happy that our team could support you through such a complex restructure. It's wonderful to hear that everyone worked together to help achieve settlement within such a short timeframe.
Kind regards,
Ceejay
Reply from Pepper Money Australia
Hi Leanne,
Thank you for a lovely review!
We appreciate you giving us 5-stars.
Kind regards,
Ceejay
I had an amazing experience with your…
I had an amazing experience with your team member she was so helpful and understanding of my situation, great customer service 👏 👍 😀
16 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Michelle,
Thank you for your wonderful feedback! We're so pleased to hear that our team was able to support you with understanding and care. We'll be sure to share your kind words with them.
Kind Regards,
Ceejay
Great value of monry
1 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Maryanne,
Thank you for giving us a 5-star review. We appreciate it.
Kind Regards,
Ceejay
Fast and easy application process
Fast and easy application process, could talk to humans along the way when needed. No big wait times for any questions I had. The portal is easy to keep track of things too.
4 June 2026
Unprompted review
Reply from Pepper Money Australia
Hi Nicole,
Thank you for your kind feedback! We're delighted to hear that you found the application process fast and easy, and that our team was available to assist whenever you needed support. It's also great to know that you found our online portal easy to use and helpful for keeping track of your loan. We truly appreciate you taking the time to share your experience and thank you for choosing Pepper Money!
Kind Regards,
Ceejay
Simon gave professional help
The person that called treated me with respect compassion and understanding. Things are really not good but he took the time to listen and help work on a solution
14 July 2026
Unprompted review
Reply from Pepper Money Australia
Hi Josie,
We're sorry to hear things have been difficult, but we're pleased to know our team member treated you with respect, compassion, and understanding during such a challenging time.
Kind regards,
Mile
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