Refer a friend terms and conditions

You must be a current Pepper Money loan customer to be eligible to refer your friends and family or a 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 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 set out below 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, 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 members 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.

Pepper Money reserves the right to vary, supplement or discontinue this Refer a Friend promotion and these Terms and Conditions at any time in its sole discretion and without prior notice. If it is withdrawn, Pepper Money will honour all referrals entered before the promotion is withdrawn, provided that the loan is approved and funded. 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. If you use the Refer a Friend promotion in a manner that’s not satisfactory to use or in line with the intent of the promotion, we may refuse to pay the Reward to you in our absolute discretion. 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.