Pepper Money Customer Reviews

Read about the experiences of our real-life customers.

Pepper Money Customer Reviews

As the home of loan options, we’re incredibly proud to have helped over 409,2971 Australians succeed in achieving their financial goals. 

From purchasing their first home or an investment property, to buying cars, and even funding dream weddings, our flexible lending options help everyday Aussies navigate the ups and downs of real life. 

Read authentic reviews and testimonials from our Pepper Money customers here.

Our Customer Reviews

from 1,273 reviews


Got a loan when the bank turned us away


Thank you Pepper Money, I cannot thank the team enough. Having been given an opportunity to get a loan when my bank turned us away. The service team has been absolutely brilliant. When you've become used to waiting times of an hour or more with other companies - I don't think I have waited more than a couple of minutes for this team. Plus, their phone staff are so nice to deal with. Great job. I just had to acknowledge it.


Great alternative to the big banks


Pepper Money were an absolute pleasure to deal with. My situation was not straightforward and I'm grateful there is alternative lenders to the bank. I was guided and updated throughout the process and have successfully refinanced with Pepper Money. Great service!

Leisa (Queensland)

Outstanding service!


Pepper Money delivered outstanding service all the way from the time of pre-approval to the discharge process. I am so grateful to Pepper Money. I recommend them to anyone looking for outstanding personalised service!

Christine (Victoria)





10-star service


In a time of rising interest rates, and financial pressures I was behind on my home loan by a few months. At times like this it's easy to stick your head in the sand, and when the phone rings from the bank, you don't want to answer it. 

But when I see the Pepper Money number come up in my phone I can't answer it quickly enough. I can't give them enough praise for their support and understanding to help me through this tough time. I would not hesitate to recommend Pepper Money to anyone and will be talking about this service for months to come.

Darren (Queensland)

Great personal service


My loan application was rejected by my bank. Pepper Money stepped up and were able to approve my application on the same day. My bank makes me feel like I'm just a number, Pepper Money was caring enough to understand our situation.

Ro Ro

Great company to deal with


From the very first phone call when enquiring about a loan, through every step of the loan process to final approval, I have nothing but praise for the way our application was handled. Prompt responses, friendly and informative staff and clear and timely assistance with every step. Such a different experience than dealing with our bank. There's no better feeling than being treated as a human rather than a number.

Jason (New South Wales)

from 212 reviews


Happy with the quick response and service



Very happy with the smooth process in refinancing - the settlement was a breeze! Pepper Money's Lending Specialists were professional and supportive, helped with all my questions and overall made the experience very positive. I have not experienced this professionalism previously in my dealings with the 'big' banks. I thoroughly recommend Pepper Money to anyone wishing to refinance their existing mortgages.


Best customer service



Customer service at Pepper Money has always been awesome. I expect to wait forever to speak to an actual person but surprisingly (not just yesterday but every time over the last 5 years) someone answers almost immediately. They are always friendly, courteous and helpful. Each time I have called my query has been answered.


Great service



Great customer service over the phone. Pepper Money makes things easy, going above and beyond and doing what other lenders can't do.






Pepper Money - a great company to deal with



Pepper Money have been the most realistic and helpful finance company I've ever dealt with. Better than the banks. You get to deal with real people in real time and they are always courteous and professional. I've always had any matters requiring attention with my loan dealt with in a timely manner with an acceptable result.


Quick easy finance! Very easy to work with



Pepper Money were easy to work with from the first phone call all the way through paying out the loan. The application process was easy and quick, and approval was fast. I was a returning customer as my first experience with Pepper Money was equally as good.


Six stars Pepper Money



Pepper Money was able to help me with my redraw account and made this process very easy. Great customer service. I feel very proud to be a member of Pepper Money and will continue to recommend them to friends and family due to them working for great outcomes for their customers.

Shane (Queensland)

from 708 reviews


Loan application ran smoothly and quickly



I gave Pepper Money a go, they were great and I got approved for a consolidation loan and I only have one payment per week, no other debt.

Dealing with the loan application ran smoothly and quickly, they were very clear on their process and dealt with my delays.

Recently I've had changes to my paid days at work, so I contacted Pepper Money to change my payment plan to monthly. It was easy as 123, thank you Pepper Money.


They made the whole process easy



I went through some financial difficulties, which led to a poor credit score. I'm grateful to have found Pepper Money, as they have professional and empathetic staff who listen to your concerns, provide guidance, and help you get back on track. 

I recently refinanced my home loan and consolidated some other debts. From day one, the Pepper Money team was fantastic. They were very helpful and made the whole process easy. Everything went smoothly, and I felt well taken care of. 

I want to extend my sincere gratitude to Pepper Money. Thank you for your assistance. 


Comparable rates, excellent customer service



I couldn't have asked for an easier company to do business with.  Comparable rates, excellent customer service, very friendly staff. Thank you.






Ease of communication was better than the Big banks



Pepper Money were excellent in writing an investment home loan. Their team went over and above to process the application, escalate the document preparation and effectively manage the information requested by other departments to ensure a short notice settlement occurred on time. 

Pepper uses technology effectively to schedule the initial meeting, gather documents and communicate with borrowers throughout the origination process. Their responsiveness was better than many others and the ease of communicating with the origination team was better than many Big 4 banks.


Whole process was very smooth and stress free



A huge thank you to Pepper Money, they went above and beyond to help us secure our mortgage.

The process was made very easy and 5 weeks later we are all moved in!

The team promptly answered all of our queries and every step was explained to us along the way.

The whole process was very smooth and stress free. Highly recommend.


Request resolved in minutes by a real human



From day 1 Pepper Money were easy to deal with. I had recently adjusted a payment and the team at Pepper went above and beyond to assist. My request was addressed and resolved in minutes by a real human, not an automated system or a series of call centers. Thank you, Pepper Money!



Our recent awards

We’ve been helping Aussies achieve their lending goals since 2000. We're proud to offer a suite of flexible financial solutions, which have won us several awards over the years. Here are a handful of our recent successes. 

Best Specialty Lender

Best Specialty Lender

Mortgage & Finance Association of Australia
Innovator of the Year - Non-Bank

Innovator of the Year -

Mortgage Business Awards
5-Star Sustainable Programs award

5-Star Sustainable Programs

Australian Broker
Best Equipment and Asset Finance Loans award

Best Equipment and Asset Finance Loans

Non-Bank Lending Awards
finder secured personal loans award

Best Secured
Personal Loans

Non-Bank of The Year Australian Mortgage Awards 2022

Non-Bank of The Year

Australian Mortgage Awards 2022

1 Cumulative customers from 2001 to 30 June 2023.

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