We were established in 2000 to help Australians achieve their financial dreams through providing flexible financial solutions that factor in the ups and downs of real life. Since then, we’ve become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand.


Pepper Money's awards


We're the home of real-life loan options.

Over our 21 years there’s a lot that we have been proud to achieve, the biggest being that we’ve helped over 250,000 Australians achieve all sorts of goals with the support of our ever-expanding lending options:

Get to know Australia's leading non-bank lender

Wondering exactly what a non-bank lender is? Put simply, we're a finance provider that isn't a bank. This means that since we aren't a deposit-taking institution, our loans aren't funded by customer deposits. Instead, our loans are funded through investors who invest through debt capital markets – marketplaces for money invested in lending.

The way you can tell how a non-bank is viewed by the markets is in their Loan Servicer ratings. We’re proud to say that we’ve had a 'Strong' Residential Loan Servicer rating since January 2012 and we’re included on S&P’s Global Select Servicer List. And more recently, we re-listed on the ASX in July 2021. So, everything we do is fully transparent.

We’re pioneering the way for sustainable finance solutions

We’re helping more Aussies get behind the wheel of low-emission vehicles with our industry-leading EV financing. We finance 1 in 9 EVs sold in Australia~, we were awarded the Canstar Green Excellence Award 2022 for Electric Vehicle Loans and are a proud member of the EV Council of Australia. We’re also helping make solar panels and sustainable energy resources accessible and affordable through our commercial solar financing program.

Discover our EV Loans

And keeping an eye on the planet

We've always had a relentless drive to support sustainable environmental initiatives - ensuring we're doing our part for the planet. In 2021, as part of our 21st Birthday Celebrations, we planted 7 hectares of protected forest across Australia, New Zealand and the Philippines.

We also established a seedling nursery to help us plant trees throughout Australia and New Zealand for many years to come.

All while making a real difference in the community

We’ve partnered with community-based organisations such as Women’s and Girls Emergency Centre (WAGEC), which provide support and shelter for women experiencing homelessness, domestic violence and other disadvantage, and Panthers on the Prowl, which provides mentorship and better opportunities for young people in Western Sydney.

Our commercial sponsorships align to our company values and play an active role in supporting their respective communities. That’s why we have been a Co-Principal Club and Community Partner of the St Kilda Football Club since 2015 and 2020 respectively.

But this isn’t just about a name on the jersey or guernsey. We get behind these teams and help their local communities’ succeed through providing community enablement programs and financial grants that align to the clubs’ social code.

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Want to join us for the ride?

We’re always on the lookout for talented and engaging professionals who embody our core values of can-do, balanced and real. After all, this is the foundation of how we deliver on our promise to help everyday Aussies and Kiwis. Our staff tend to agree, with 80% employee engagement in 2021 – we make sure we give back and reward your success.

Check out our graduate program if you’re starting your career or find out more about how we can help you take the next step in your career by looking at our current vacancies.