Variable
Pepper Essential Variable
- Optional offset
- Free redraw
- Self-employed friendly
Non-bank
Pepper Money
SydneyFounded 2000ACL/Banking Licence 286655
Strengths
- Best-in-class for near-prime and specialist home loans
- Self-employed and bank-statement-evidence-friendly
- Strong auto finance product across new, used and unsecured
- Listed on ASX since 2021
Watch out for
- Higher rates than prime lenders, reflecting credit overlay
- Specialist tier pricing materially above prime
Pepper Money products
Editorial reference covering the product range Pepper Money offers and the structural strengths and trade-offs we observe in the market. For the current headline rate and comparison rate, click through to Pepper Money\'s own rate card; the live number sits with them.
Home loans
Variable
Pepper Near-Prime Variable
- For borrowers with credit-file impairments
- BAS or accountant-letter income evidence accepted
Near-prime tier for borrowers outside major-bank policy box
View current rate at Pepper Money Car loans
Secured (new vehicle)
Pepper Car Loan Secured (Tier A)
- Fixed rate
- PPSR-secured
- New or used vehicle
Unsecured
Pepper Car Loan Unsecured
- Fixed rate
- No PPSR registration
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Pepper Money rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ reviewsAustralian Credit Licence 505575Independent. Education first.