Welcome to Pepper

We are part of a new
world of doing business

Our centre of gravity is the consumer: Increasingly savvy, determined to get what they want, impatient for outcomes, insistent on great service, time-poor, digitally active, price-driven and with high expectations of a personalised experience.

Businesses can no longer look at this world through old paradigms. There is an essential new balance to maintain. It requires investment in infrastructure, a deep understanding of risk, technologies, analytics, and design-led processes – all of which have people firmly at their core. And that is our strength as a brand: Our ability to balance expertise with the human side of doing business. It is the capability we will continue to nurture in this new world of digitally-led, customer-driven outcomes.

Great customer experiences, across every channel, will be the engine that drives our success. And every part of our business has its role to play in ensuring we continuously refine and improve what that means for our customers. We need to continue to know them deeply, to discover and deliver the means they need to succeed in their ambitions.

As a leading non-bank lender, we specialise in flexible loan solutions based on individual credit assessment. It enables us to support many borrowers who fall outside the credit criteria of the major banks. Our lending capabilities include providing consumer finance (home loans, car loans, personal loans) and commercial loans (equipment leases, commercial vehicles, real estate).

As a third party servicer, we administer loan books on behalf of other banks and financial institutions – when they don’t have the capacity. We step in, using our own processes or expertise to administer loan payments or manage the arrears and recovery process.

We work with professional brokers and directly with our customers, both personal and commercial.

Being ‘among the best’ is not good enough. We want to be known as the brand that always delivers, the No.1 consumer finance house in every one of our markets.

We live our mission statement: To help people succeed.

Our story and name
echo a much older tale.

Centuries before us, people traded pepper through an ancient network of trade routes called The Silk Road.

The spice trade was vital to the economy of the known world, not only in terms of the goods they traded, but also because of the interaction between cultures it generated.

It was literally what connected East and West.

Then, a series of events reshaped the entire world as we now know it.

A hostile takeover of the Byzantine Empire by the Ottoman Turks led to a blockade of The Silk Road and spice trade routes, forcing traders to seek new ways of doing business such as sea routes. It was a direct trigger for a massive era of fresh thinking, creativity and innovation – what we now call the Age of Discovery.

Pepper is a modern twist on this ancient story of influence.

Barriers to the supply of money to any sort of endeavour that fell outside a very narrow perspective, led directly to a need for alternative sources of funding – and to the creation of this company.

Just as adversity opened up new opportunities then, so it does now.

To realise these opportunities requires an attitude, a DNA-deep sense of ‘can do’.

It’s what led to the Pepper paradigm, a new way of financing the ambitions of the amazingly diverse people we now serve. And it has grown rapidly – into new thinking, new products, new services; and into new countries across the world.

From our initial beginning we’ve launched a whole new age of discovery. Our objective is the long-term success of the growing communities that are joining us.