Personal loan refer a friend terms and conditions

  • You must be a current Pepper Money personal loan customer for three months to be eligible to refer your friends and family for a personal loan with Pepper Money. Pepper Money employees and directors are not eligible to participate in this Refer a Friend promotion.
  • To refer a friend for a personal 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 personal loan.
  • The Real Life Reward set out below is payable for each new customer referred that applies for and settles their personal loan with Pepper Money. Note: applications that have multiple borrowers (including multiple loans or split accounts) are eligible for only one Eftpos prepaid gift card.
  • Emerchants Payment Solutions Limited ABN 30 131 436 532, AFSL 404131 is the issuer of the Eftpos prepaid gift card. Edgy Loyalty Systems ABN 96 138 299 288 is authorised by Emerchants Payment Solutions Limited to distribute the Card. If you acquire the Card you will have a contract with Emerchants Payment Solutions Limited. Pepper is not responsible for, or liable to replace, lost or damaged cards whatsoever.
  • The card is subject to Emerchants Payment Solutions Limited’s terms and conditions that can be found at
  • Both you and the family member/friend will be mailed an Eftpos prepaid gift card within 30 days of the Pepper Money personal loan being settled.
  • You and your eligible friend/family member will receive an email notification when the Eftpos prepaid gift card is dispatched.
  • Pepper Money reserves the right to change or discontinue this Refer a Friend promotion and these Terms and Conditions at any time in its sole discretion and without prior notice. If is the offer is withdrawn or changed, Pepper Money will honour all referrals entered before the date of the change/ promotion is withdrawn, provided that the loan is approved and settled. The Refer a Friend promotion is not applicable in conjunction with any other promotional offer, unless expressly indicated. Pepper Money has the right to exclude anyone from this promotion at its absolute discretion without any obligation to provide notice or a reason. We reserve the right to not provide the Eftpos reward gift card to you if the Refer a Friend promotion is used in a manner that is inconsistent with the intent of the promotion. This includes conduct, which is designed to undermine the fair and intended operation of the promotion.
  • Pepper Money's credit assessment and loan suitability criteria will apply. Terms, conditions, fees and charges apply. Pepper Group Limited ACN 094 317 665 Australian Credit Licence Number 286655 is the servicer for Pepper Money home and personal loans funded by Pepper Finance Corporation Limited ACN 094 317 647