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 48+ 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 | Equipment loan, Chattel mortgage, Finance lease, Operating lease, Sale and leaseback, Business vehicle finance, Truck finance, Trailer finance, Machinery finance, Agricultural equipment finance, Medical equipment finance, Technology finance, Fleet finance, Novated lease, Asset finance, Used vehicle finance, Fit-out finance, Personal car loan, Leisure asset loan, Commercial property loan, SMSF commercial property loan |
| Website | www.peppermoney.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.