Comprehensive Credit Reporting

Whether you’re having difficulty meeting your financial obligations today or trying to get organised for changes coming up, these guides can help you understand how your credit report will be impacted if you miss repayments or enter into a financial hardship arrangement with us.


We're here to help

Credit Smart have developed these handy guide that can help you get back in-control of your credit situation. Remember, we're always here to help on 137 377.


Pepper Money Credit Report Summary

Credit Report Summary

You want a better understanding of what’s in your credit report?

You’re trying to interpret your Repayment History Information.

Pepper Money Late Payments and Your Credit Report

Late Payments and Your Credit Report

You expect to miss one or more loan repayments soon your account is already overdue, and

You have told us you intend to restart your repayments soon.

Pepper Money Temporary Financial Hardship Arrangement

Temporary Financial Hardship Arrangement

You are having trouble making loan repayments and we’ve agreed to your temporary hardship request.
Pepper Money Financial Hardship and Loan Variations

Financial Hardship and Loan Variations

You are experiencing financial hardship and we’ve agreed to vary your loan agreement to help you get through your hardship.

Financial Counselling Associations

You may also want to get support from an advice professional, or a financial counsellor to help you to understand your options. 
Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.