In real life we tell our friends and family about the things we like. We can’t help it. We’re hardwired to pass on important information. That’s great for us – now we want to make it great for you too.

If you have a Pepper Money loan and a friend you refer becomes a Pepper Money home loan customer, we’ll give you both a $250 ‘Real Life’ reward.

Here’s how it works

Share the love - refer a friend
1. Share the love

Tell your friends and family about Pepper Money

Refer a friend
2. Refer your friend

Fill out the form below and submit. Your friend will receive a confirmation email and a call from us within 24-48 hours
(Mon – Fri)

Get rewarded - refer a friend
3. Get rewarded

When your friend’s loan settles, you’ll both receive a $250 Eftpos rewards card

Refer a friend

Enter the details of the person you would like to refer

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.


For full terms and conditions see here


You must be a current Pepper Money loan customer to be eligible to refer your friends and family for a loan with Pepper Money. Sorry but Pepper Money employees and directors aren’t eligible to participate in this Refer a Friend promotion. To refer a friend for a home loan your family member or friend must (i) not already be an existing or previous customer of Pepper Money; (ii) be an Australian resident; and (iii) be over 18 years of age. You can’t refer yourself for a Pepper Money loan.

The Real Life Reward is payable for each new customer referred that settles their first loan with Pepper Money. Note: applications that have multiple borrowers (including multiple loans or split accounts) are eligible for only one payment. You will receive a notification when the Real Life Reward is paid. It will be in the form of an Eftpos Card from Pepper Money.

You will receive a notification when the Real Life Reward is paid. It will be in the form of an Eftpos Card from Pepper Money, sent to you within 30 days of the loan being funded. For privacy reasons, we can’t tell you which friend's loan application was settled. By entering your family member's or friend’s personal information and contact details here, you confirm you have consent of the person named to provide their personal information to Pepper Money. Personal information is collected, used and disclosed in accordance with Pepper's Privacy Policy.

All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Personal information will only be used and held in accordance with Pepper’s Privacy Policy available here. Pepper Group Pty Limited ACN 094 317 665, Australian Credit Licence 286655, is the servicer of loans by Pepper Finance Corporation Limited ACN 094 317 647.