Pepper Money is a non-bank lender in New Zealand that provides a range of lending solutions for homebuyers, property investors, and small to medium-sized businesses. Pepper Money has been operating in New Zealand since 2018, and has quickly established itself as a leading non-bank lender in the country, with a reputation for providing innovative and flexible lending solutions.

Compare Pepper Money Home Loans

One of Pepper Money's primary focuses is home lending. They offer a range of home loan products to suit different needs and circumstances, including first home buyers, self-employed borrowers, and those with a poor credit history. Pepper Money's home loans are designed to be flexible, with features such as the ability to make additional payments without penalty, redraw facilities, and fixed or variable interest rate options.

In addition to home loans, Pepper Money also offers commercial lending solutions for small to medium-sized businesses, including working capital finance, invoice financing, and trade finance. They also provide asset finance solutions such as equipment leasing and financing, as well as commercial property finance for purchasing or refinancing commercial properties.

Pepper Money prides itself on its ability to provide lending solutions to borrowers who may not meet the strict lending criteria of traditional banks. They take a more pragmatic approach to lending, considering a wider range of factors when assessing loan applications. This includes factors such as income, employment history, and credit history. This approach has helped them to build a reputation as a lender of choice for borrowers who may have been declined by traditional banks.

Another strength of Pepper Money is its commitment to responsible lending. They adhere to the Responsible Lending Code and take a careful approach to assessing each loan application to ensure that it is suitable for the borrower's individual circumstances. They also provide ongoing support and advice to their clients throughout the life of the loan, to help them manage their finances and avoid financial hardship.

Pepper Money Reputation & Security

In summary, Pepper Money is a non-bank lender in New Zealand that specializes in providing lending solutions for homebuyers, property investors, and small to medium-sized businesses. With a focus on flexibility, responsible lending, and tailored lending solutions, Pepper Money has become a trusted lender for many New Zealanders looking for alternative lending options to traditional banks.