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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Karl was so good and very helpful in…
Karl was so good and very helpful in actually sorting out my loan will call back tomorrow to see if it's all finalised
13 May 2026
Unprompted review
Reply from Pepper Money Australia
Hi Kaz,
We’re so pleased to hear we were able to assist you and help get your loan sorted. We appreciate you taking the time to share your experience.
Kind regards,
Mile
Customer service
13 May 2026
Unprompted review
Reply from Pepper Money Australia
Hi Dom,
Thank you for giving us 5 stars.
Kind regards,
Mile
The lady was really nice and made feel…
The lady was really nice and made feel at ease
11 May 2026
Unprompted review
Reply from Pepper Money Australia
Hi Rogan,
Thanks for the lovely feedback—great to hear our representative made you feel at ease.
Kind regards,
Mile
If I could give zero stars I would
If I could give zero stars I would. I paid out the car loan a year ago and am now trying to trade in my car only to find Pepper Finance have not removed the security interest on the car. This now means I can't trade in the car. I have been on the phone with 5 people so far who have all said it will be done in an hour and no one has actually done it. Absolutely disgusting and I will tell anyone who asks to avoid them like the plague.
8 May 2026
Unprompted review
Reply from Pepper Money Australia
Hi Andrea,
Thanks for your patience.
We can now confirm that Pepper Money’s security interest in the vehicle has been removed and the vehicle is unencumbered.
If you need any further confirmation or assistance, please let us know we apologise for the inconvenience.
Kind regards,
Mile
Responsive and easy process
7 May 2026
Unprompted review
Reply from Pepper Money Australia
Hi Khai,
I am happy to hear that our team were responsive and made things easy for you.
Kind regards,
Mile
Reply from Pepper Money Australia
Hi Darwinder,
Thank you for your 5-star review.
Kind regards,
Mile
An absolute breath of fresh air, amazing
Honestly for a finance company or lender if you prefer these guys/gals they/them whatever else you want to identify as, aIt has been the most pleasant easy to deal with group, the website is easy to navigate to check on your account what's upcoming or if have adjustments to make even calling on the phone. Which is something I never thought I'd say about dealing with customer service over the phone normally you expect to be on hold for hours only to be transferred and put on hold and so on and so on but this was so simple I called got through to someone almost immediately did the usual identity check and low and behold the same person I spoke to took the call handled my inquiry and got me an answer on the spot omg.
Thank you so much looking forward to dealing with you and your team on future purchases
30 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Raphael,
Thank you for such an amazing review! We’re so glad you found the website easy to use and had such a smooth experience when you called us. Hearing that you got through quickly and spoke to the same person who resolved everything on the spot really means a lot to us. We truly appreciate you sharing this — it’s exactly the experience we aim to deliver.
Kind regards,
Mile
Customer Services
Your phone service with customers are so polite and excellent, your helpful and understanding with the issues that people have, you have options to choose from to make it easy for customers.
30 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Jillian,
I am glad to hear you found our Customer Service team polite, helpful, and understanding. It means a lot to know the options we offer helped make things easier for you. We truly appreciate your review.
Kind regards,
Mile
I have paid in full
I have paid in full, and they take 6 working days to send the discharge letter. Absolutley Disgusting
30 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Kesara,
We’re sorry to hear about your frustration. While the discharge process does take a standard processing period once accounts are paid in full, we understand how disappointing delays can feel and appreciate you sharing your experience.
Kind regards,
Mile
It was fantastic and quick response
It was fantastic and quick response
28 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Kevin,
Thanks for your kind words and the 5-star review! We’re really pleased to hear you received a quick response.
Kind regards,
Mile
Simon was the staff I spoke yesterday…
Simon was the staff I spoke yesterday that really helped get through all of this problems I faced at the moment. He understood my situation and put in actions to help me avoid facing more charges. Best recommended.
28 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Leizel,
Thank you so much for sharing your experience. We’re really glad to hear Simon was able to support you during a challenging time, understand your situation, and take action to help prevent additional charges. We’ll be sure to pass on your kind words to him.
Kind regards,
Mile
great experience with the pepper team
great experience with the pepper team, cameron and Divya specifically. quick, professional and dealt with a complicated loan easily. highly recommend
26 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi James,
We’re so glad to hear you had a smooth experience, and that Cameron and Divya could help navigate a complicated loan so easily. Really appreciate the recommendation and kind words.
Kind regards,
Mile
Very amateurish service
Very amateurish service. Was charged fees because they recorded details incorrectly. Charged fees because they changed due amount without informing us. I’m sure there are more professional lenders out there. Use them instead
3 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Jason,
We’re sorry to hear about your experience and appreciate you taking the time to share this feedback. This isn’t the level of service we aim to provide, and we understand how frustrating unexpected fees or miscommunication can be.
Kind regards,
Mile
The service was amazing
The service was amazing. This is my first home loan and I had no idea what I was doing. Cameron guided me through everything, and explained everything I didn't know. I would gladly recommend pepper mortgage to my friends and family.
1 February 2026
Unprompted review
Reply from Pepper Money Australia
Hi Connie,
Thanks so much for the lovely feedback! We’re so glad Cameron could guide you through your first home loan and make things easy to understand. Really appreciate the recommendation and trust in Pepper Money.
Kind regards,
Mile
I got a good deal with them to borrow…
I got a good deal with them to borrow the money and there was no problem looked after me when I did my payout no problems good people to deal with highly recommend them.
5 May 2025
Unprompted review
Reply from Pepper Money Australia
Hi Stephane,
Thank you for your kind words. We’re really pleased to hear you got a good deal and that everything went smoothly through to payout. It’s great to know our team looked after you and made the process easy—your review means a lot to us.
Kind regards,
Mile
Pepper Money still values human judgment
Pepper Money has been an absolute breath of fresh air in a world where big banks let computers make all the decisions. After being declined by major banks without so much as a phone call, I felt completely written off. Pepper Money changed that.
They took the time to look at my situation as a human being, not just a number on a screen. Real people spoke with me, worked through the numbers, the details, and genuinely tried to understand how they could help. That level of care is rare in finance today.
Because of their willingness to listen and assess my case individually, I’ve been given a fresh start. This is exactly what a financial institution should be. Pepper Money still values human judgment.
Thank you, Pepper Money, for seeing people not just data.
21 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Fred,
Thank you so much for sharing such thoughtful feedback. We’re genuinely grateful you took the time to reflect on your experience. We believe everyone deserves to be heard and assessed as a person, not just a set of numbers, so it really means a lot to know that came through. We’re glad our team could take the time to understand your situation and support you toward a fresh start.
Kind regards,
Mile
Reply from Pepper Money Australia
Hi Jason,
Thanks for the great feedback! We’re really pleased to hear you found us easy to deal with and responsive.
Kind regards,
Mile
Compassionate, respectful and genuinene customer service reps
The employees I spoke with from both the general and hardship teams couldn’t have been more helpful, caring and respectful. Simon and I think it was Angela or Denise (sorry I have forgotten the first person I spoke to, their name) both blew me away with how respectful and helpful they were considering the challenging situation I have found myself in.
15 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Neave,
We’re grateful for your kind words during what we understand has been a very challenging time for you.
I’ll be sure to pass on your thanks to the team – they will really appreciate knowing the care, respect and support they provided made a difference. Our teams take great pride in treating every customer with empathy and dignity, and your message truly reflects that commitment.
Thank you again for sharing your experience with us, and we wish you all the very best moving forward.
Kind regards,
Mile
Easy and helpful
I have been with pepper money for nearly it 3 years. Their website made all my experience easy and I have only had positive experiences. When it came time for my payout, they were quick and efficient and helpful.
14 April 2026
Unprompted review
Reply from Pepper Money Australia
Hi Paula,
We appreciate your kind words! I am happy to hear that our website made things easy for you, and that you have had a great experience with us.
Kind regards,
Mile
Carlos was very helpful and easy to…
Carlos was very helpful and easy to work with. Thank you to Pepper money for helping us go back on track.
16 March 2026
Unprompted review
Reply from Pepper Money Australia
Hi Jennette,
We’re really pleased to hear that Carlos was helpful and easy to work with, and that we could support you in getting back on track. We’ll be sure to pass your comments on to Carlos and the team.
Kind regards,
Mile
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