Things a bit tough right now?

We're here to help.

If you are experiencing financial difficulty, we want to make sure you have all the information you need to help you understand the options available to you.

Whether you’re having difficulty meeting your financial obligations today or trying to get organised for changes coming up, please let us know sooner rather than later so that we can help.

You may also want to get support from an advice professional, or a financial counsellor to help you to understand your options. See options here.

Options to help you

Repayment Holiday Fact Sheet
Repayment Holiday Fact Sheet

Find out what a repayment holiday is, how it works and if it might be right for you.

Frequently Asked Questions
Frequently Asked Questions

Answers to the questions people ask most often about getting financial help.

Repayment Deferral Calculator
Repayment Deferral Calculator

You can calculate the outcome of putting off payments for a certain amount of time.

Existing Home Loan features that may assist you
Existing features on your loan

Find out ways some features of your current loan might help your situation.

Need some help? View our most common FAQs...

If you notify us of your changing circumstances, we aim to work with you side by side to help you understand your options.

To do this, we will need to understand your unique situation to be able to consider your hardship request and discuss your options.

This may include asking you:

  • The reasons why you are in financial hardship
  • An indication of how and when your situation will improve.
  • Whether you can make any repayments to your loan and over what period
  • To provide a 'statement of financial position', which means information that sets out your income and expenses, as well as relevant supporting documents, like bank statements.

For customers who are under financial assistance arrangements with Pepper Money, you will not be charged Default, Arrears or Dishonour fees during this time, and we will not apply additional default interest on amounts in arrears.

As everyone’s circumstances are different, the exact length of time for the repayment break will depend on your individual situation

30 days before the end of your repayment holiday, Pepper Money will contact you to let you know that this arrangement is coming to an end and that your loan repayments will soon recommence. Learn more about the process here.

To see the full FAQs, click here

A message from our CEO

Coronavirus updated message to our customers

Pepper Money is dedicated to helping; it’s at the heart of what we do.

We’re always here to help you look at how you can get back on track financially.

Acknowledging the situation is getting too hard to cope with is the first step.

Step two is asking for help. Reach out to us here at Pepper Money. Read more.

Experiencing Financial Difficulty?


Please call us sooner rather than later.

If you are experiencing financial difficulty and are unable to afford your loan repayments, groceries or general daily expenses, please apply for assistance here or contact us on 1300 650 931.

Apply for assistance

Additional Support

Contact Us
Contact Us

We’re here to help. Call us or leave us an online enquiry here.

external counselling organisations
Financial Counselling Associations

You can find a full list of organisations that can help here.

Real Life Money Management Guide
Real Life Money Management Guide

Real life resources to help with managing your money here.

Be wary of payday loans and debt rescue services
Be wary of payday loans and debt rescue services

Quick-fixes can put you at more risk down the line and may charge excessive fees. Read more here.

Other helpful information

Visit our Help Centre for smart budgeting tips, or to self-service log in to your Loan Service Net portal here.