Pepper Money Credit Guide

The purpose of this Credit Guide is to assist you in deciding whether you want to enter into a credit contract or increase your credit limit on an existing credit contract with Pepper Finance Corporation Limited, serviced by Pepper Money Limited.

Pepper Money Limited (‘we/us/our’), Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Limited ACN 094 317 647. This means that although your lender is shown as ‘Pepper Finance Corporation Limited’ you will deal with ‘Pepper Money Limited’ as this entity assists customers with their loan.

Our obligations before providing credit to you:

We're obligated by law to only provide you with credit or increase your credit limit on an existing credit contract, if it is not unsuitable for you.

For this reason, before we provide you with credit or increase your credit limit on an existing credit contract, we will make an assessment to ascertain that:

You can meet your financial obligations without substantial hardship. We will presume that, if you could only comply with your financial obligations by selling your principal place of residence, this will comprise substantial hardship, unless the contrary is proved; and

The contract will meet your requirements and objectives. We will therefore:

  • Make reasonable inquiries about your financial situation, and your requirements and objectives; and
  • Take reasonable steps to verify your financial situation.

You can, within 7 years of the date of the loan contract or credit limit increase, ask for a written copy of our credit assessment of your application. We are not required to provide you with a copy of your assessment if your application is declined or you decide not to proceed with the application.

Our internal dispute resolution scheme

We are committed to providing you with the highest level of service. However, if our service does not meet your expectation, you can contact our Internal Dispute Resolution Department on:

The Customer Resolutions Manager, GPO 244 Parramatta CBD, NSW 2124

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly else we will keep you informed of our progress in resolving your complaint.

Our external dispute resolution scheme

If you are not satisfied with the outcome of your complaint, you can contact our external dispute resolution scheme Australian Financial Complaints Authority (AFCA) at:

The Australian Financial Complaints Authority provides our customers with a free alternative to legal proceedings for resolving complaints.

If you would like further information regarding this credit guide or any of our services, you can contact us directly on 137 377.


Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 

The results of the borrowing power calculator are based on information you have provided and is to be used as a guide only. The output of the calculator is subject to the assumptions provided in the calculator (see 'about this calculator') and are subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated borrowing power is based on the assumption that interest rates remain constant for the chosen loan term. Your borrowing power amount will be different if a full application is submitted and we complete responsible lending assessment. The results in the calculator do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widgetworks.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.

Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.

Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.

Get in touch with a Lending Specialist

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