Lender panel
Pepper Money through Lyft Money
Pepper Money is a large Australian non-bank lender well known for asset and vehicle finance alongside its mortgage business. It is particularly recognised for tiered credit programmes that consider borrowers who fall outside bank policy — including those with credit impairment, self-employed applicants and newer businesses — with pricing that steps up as the file moves down the tiers.
Lyft Money is an independent broker. Pepper Money is one of 18+ lenders on our panel; we are not Pepper Money and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $10,000 – $500,000 |
|---|---|
| Typical speed | Commonly one to five business days |
| Products we place | Business vehicle finance, Equipment loan, Personal car loan, Used vehicle finance, Leisure asset loan |
| Website | www.pepper.com.au |
Where Pepper Money is strong
- Tiered credit programmes that accommodate impaired or non-standard files
- Strong consumer and commercial vehicle and asset finance offering
- Established non-bank with broad broker distribution and clear policy
Things to weigh up
- Pricing rises noticeably in the lower credit tiers
- Asset age and type limits still apply within each programme
- Not the cheapest option where a bank would approve the same deal
Pepper's value is predictability outside the mainstream. Where a bank simply declines, a tiered programme tells you where a file lands and what it costs, which lets a client make an informed decision instead of guessing. That is useful for self-employed applicants, newer ABNs and people with a historical blemish on file.
It covers both regulated consumer lending and commercial asset finance, so the same lender can often handle a personal car loan and a business vehicle. We compare the tier offered against the rest of the panel rather than assuming a non-bank is the only option for an imperfect file.
Key terms
Pepper Money asset finance through a broker
Non-bank vehicle or equipment finance arranged by an accredited broker, priced according to a tiered credit programme based on the applicant's profile.