Pepper Money Australia Reviews 

If I could give zero stars I would. Dealing with Pepper customer service was difficult and trying to discharge my loan was the most stressful thing I've done. You submit the forms they ask for, and then when you ask for a follow-up, they tell you they haven't received other forms they never even told you to complete and return. If I had to choose between using Pepper again or being homeless, I'd be homeless

Totally understood my situation and helped me to make a decision, that was right for my circumstances

Lisa very supportive and considering my current circumstances proposed suitable options to minimise and manage my current finances while recovering from the impacts from the change in circumstances. I will recommend Peppermoney to all customers, who are looking for end to end good customer care and services for financial products in the industry.

needed help with an urgent redraw. the team were very helpful understanding the urgency for the situation

Thank you!

I had approached another bank and had put subject to finance clause in my contract. However, they could not able to process fast and I had lost 3 weeks. I reached out to PEPPER and explained my situation and asked them if there is a way they can fast track my application. My subject to finance was about to expire in 10 days when I reached out to PEPPER. I was assigned Carlos and he was extremely fast. He understood my situation and handled my application end to end and got it sanction less than 7 days. If not for PEPPER, perhaps I would had to loose this property. Thanks Carlos and PEPPER for handling my situation well.

Fast and easy solution. Don’t have to wait so long.
Thanks

The reception staff at Pepper money have always been super helpful and friendly

Mamatha has been the most helpful understanding i have delt with at pepper money. She listened, understood and help action a plan to help my changing challenging circumstances.
I cant thank her enough and hopefully if I need help in the future she is available again.

They were great and compassionate to my needs and situation. In an extremely tight spot and it was resolved promptly and efficiently.
Forever grateful to have my loan through them with this level of service.

Easy to deal with,handled all enquiries professionally and friendly

Efficient, responsive and genuine interactions. Thank you so much for your recent support. Great experience.

Had a phone conversation with Jose and he spent all the time I needed answering my questions and making sure I was fully understanding and happy with everything. He went above and beyond!

Answer my call on the 1st ring security questions with quick and easy everything was handed within probably 10 minutes they did a great job friendly and caring and respectful

I would like to express my appreciation for the exceptional service provided by my lending specialist, Sheryl. The process was handled with utmost care, ensuring a stress free and efficient experience. The communication was clear and timely, making the entire process seamless. I was thoroughly impressed and would highly recommend Sheryl's expertise.

Simon knew exactly how to address my enquiry and it was sorted quickly and with outstanding level of customer service with clear communication. Thanks.

I would not recommend Pepper Money to anyone who values efficiency and modern customer service.
For a financial services provider operating in 2026, many of their processes feel unnecessarily outdated. For example, the only payment method available to me has been direct debit. If a payment is missed, there is no simple online option to rectify it. Instead, customers are required to call the customer service team, which often involves extremely long wait times. As I write this review, I have been on hold for 29 minutes waiting to make a payment.
Adding an Authorised Representative is also far more cumbersome than it should be. The process requires printing, signing and returning a paper form. While this may have been standard practice years ago, it feels out of step with the digital capabilities offered by most modern lenders.
What is most frustrating is that Pepper Money has invested in an online customer portal that gives the impression of a contemporary banking experience, yet it offers very limited functionality when it comes to managing your account. Many tasks that should be simple and self-service still require manual intervention and lengthy phone calls.
These barriers create unnecessary inconvenience for customers who are simply trying to manage their accounts responsibly. Rather than making it easy to resolve minor issues, the systems seem designed in a way that adds friction to the customer experience.
Based on my experience, I would rather refinance or pay out my loan entirely than continue dealing with these processes—which is exactly what I intend to do, once someone answers the phone.

They are excellent, helpful and professional.
Highly recommend

Very helpful

Simon was very respectful to my situation and was more than helpful which considerably eased the stress