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Pepper Money

Pepper Money has been in the Australian marketplace since 2001, initially providing residential home loans. Since being taken over in 2010 by a group of high-wealth investors, Pepper Money has expanded into other lending areas including auto and equipment finance, personal loans and point of sale finance.

Since 2012 Pepper has expanded into international markets, with lending and servicing operations or partnerships in Ireland, the UK, Spain, South Korea, Hong Kong and China.

Pepper Money Australia

Pepper is an independent finance provider who operate a little differently to banks and other big finance companies. In the beginning the founders identified a gap in the market, Australian home loan applicants who were finding it impossible to get a home loan because they had a poor credit history, were self-employed or had been bankrupt. Because these people didn’t meet the eligibility criteria of major banks and other home loan lenders, Pepper Money stepped in to fill the void.

Pepper Money moved away from the standard eligibility tests and created their own ‘alternative income verification’ tests instead. Co-Group CEO Mike Culhane summed it up best when he said:

“We’re not a bank, we offer a different service level to the banks, and we don’t really compete against them. We pick market niches where either the banks don’t want to play, or they used to play and don’t play anymore. And we fill those niches with products that people actually want and need, augmented by a much higher level of service.”

Pepper Money Car Loans

Pepper pride themselves on their contemporary approach to lending, including car loans. Their method is to understand the unique characteristics of every applicant, because they believe every applicant has a unique set of circumstances. By being flexible with the terms and conditions of their loan products, they are able to tailor car, motorbike, caravan, boat and home loans to suit your needs.

The same approach is taken for businesses looking to purchase vehicles, machinery or office equipment to expand and grow.

Pepper Money in the Community

With a clear focus to building relationships in the sporting industry, Pepper Money has formed:

  • An official corporate partnership with the A-League’s Greater Western Sydney Wanderers Football Club, with company logo on the playing shirt’s sleeves.
  • Acquired naming rights of Pepper Stadium, home of the NRL’s Penrith Panthers Rugby League Club.
  • A Principal partnership agreement with the AFL’s St Kilda Football Club, with the company logo on the back of the home jersey, and on the front of the clash jersey.

They’ve also won multiple awards in recent years that reflects their position in the marketplace. Some of the highlights include:

  • Best Specialist Lender (Australian Lending Awards) - 2013-2016
  • Best Self-Employed Lender (Australian Lending Awards) - 2015-2016
  • Best Equipment and Leasing Finance Lender (Non-Bank Lending Awards) - 2015
  • Best Customer Service (Non-Bank Lending Awards) - 2014-2015

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