Pepper Credit Guide

Posted Customer Service

Pepper Group Limited (‘we/us/our’), Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Limited ACN 094 317 647. This means that although your lender is shown as ‘Pepper Finance Corporation Limited’ you will deal with ‘Pepper Group Limited’ as this entity assists customers with their loans and leases.

The purpose of this Credit Guide is to assist you in deciding whether you want to enter into a credit contract with Pepper Finance Corporation Limited, serviced by Pepper Group Limited


We are obligated by law to only provide credit that is not unsuitable to you.
For this reason, before we provide you credit, we will make an assessment to ascertain that:

  • You can meet your financial obligations without substantial hardship; and
  • The credit will meet your requirements and objectives.

We will therefore:

  • Make reasonable inquiries about your financial situation, and your requirements and objectives for obtaining credit; and
  • Take reasonable steps to verify your financial situation.

You can, within 7 years of the date of the loan contract or principal increase, ask for a written copy of our credit assessment of your application. 

We are not required to provide you a copy of your assessment if your application is declined or you decide not to proceed with the application.


We are committed to providing you with the highest level of service. However, if our service does not meet your expectation, you can contact our Internal Dispute Resolution Department on:

Telephone: 1800 356 246
Fax: 1300 598 630
Address: The Customer Resolutions Manager, GPO 244 Parramatta CBD, NSW 2124

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.
When we receive a complaint, we will attempt to resolve it promptly else we will keep you informed of our progress in resolving your complaint.


If you are not satisfied with the outcome of your complaint, you can contact our external dispute resolution scheme at:

Full Name: Credit and Investments Ombudsman (“CIO”)
Telephone: 1800 138 422
Fax: 02 9261 2798

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.

If you have any questions about this credit guide or anything else about our services, you can contact us on 13 73 77 or fax to 02 9463 4666.

Download the Pepper Credit Guide here.


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