A range of motor vehicle financing solutions can be sourced from Pepper Money by customers or with the specialist services of your Jade Finance broker. Funding is available for private and business buyers of new and used vehicles. The company offers special bonuses with Green Car Loans.
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Motor vehicle credit solutions by Pepper include flexible deposit options, balloon payments and commercial asset acquisition funding products. Financing of up to $150,000 may be approved, and balloon payments of up to 50% approved on credit on a 1-3 year term. Balloon payments are available on new vehicles, demo models and EVs that are less than 12 months old. Terms of 6+ years may be approved.
To discuss your requirements and if a Pepper solution will suit your vehicle purchase, speak with one of our brokers.
Banks and non-bank lenders set their guidelines and criteria for approving motor vehicle financing applications. These criteria determine the profile of eligible applicants and can go towards the rate offered, the credit amount approved, the term and any other conditions.
Pepper Money have eligibility criteria that can include a wide range of vehicle buyers in a range of circumstances. Australian citizenship permanent residency or work visa is required, as is a current passport or an Australian driver’s licence. Applicants must be in full-time, part time or casual employment for more than 6 months and not be on probation.
To be eligible for Pepper motor vehicle funding, applicants are required to have no unpaid credit defaults currently or prior bankruptcies. Applications can be submitted online or by phone for quick responses and turnaround. Funding is available for purchases up to $150,000 with no deposit and up to $300,000 on green cars.
Don’t meet Pepper Money eligibility criteria? Don’t feel confident or have the time to submit an online application? Contact us to consider other options or to contact Pepper on your behalf for a competitive interest rate and flexible term auto credit quote.
Pepper Money offers competitive rates and very flexible terms as well as providing a special lending product for buyers of green vehicles. The inclusion of a sliding scale for a balloon and flexible terms can be considered a special advantage by many buyers. Their range of funding options can suit a wide range of vehicles – new and second-hand, and their special offers on EV and green vehicle funding are especially innovative and competitive.
But most auto buyers seeking credit will want to be assured that the Pepper solutions is the most suitable and most affordable for their purchase. Buyers can use our Lender Comparison Table to compare interest rates from a number of leading auto credit lenders with Pepper and with our best rates.
To compare Pepper solutions for different makes and models, simply use our Finance Calculator. For a specific quote on financing your vehicle, contact us online or by phone.
Many buyers may not have considered a non-bank lender for their motor vehicle credit. With the extensive lending market in Australia and the variations across the sector, including Pepper Money in your considerations may deliver many advantages.
Advantages with flexibility in terms and balloons, which can reduce the monthly commitment. Making buying a new car far more affordable for buyers on a budget. The advantage of their special green vehicle funding product with competitive rates and extra features can make moving to a more sustainable driving option accessible and possible for more buyers.
As one of our valued non-bank lenders, Jade considers Pepper Money options when sourcing the most suitable option for our customers. We have vast lender market coverage and can quickly advise if Pepper is the right lender for you and if their offer is the best to meet your profile.
If we have the resources and connections to find you an even better option, our brokers will source it and provide you with the offer for your decision.
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
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As a non-bank lender, Pepper offers a range of products to suit borrowers in different financial circumstances. The eligibility includes having no unpaid defaults on credit and not being a prior bankrupt.
No. Pepper is a non-bank lender or finance provider.
Pepper Money is not a bank and does not take deposits or offer transactional accounts. Direct debits for monthly car repayments are from the customer’s bank accounts.
Subject to meeting their specific eligibility criteria, Pepper Money has a credit product for Green Car Credit, which includes competitive interest rates.
A balloon payment is a percentage of the borrowed amount, not included in the repayments but paid later. A balloon can allow for lower monthly repayments.
A balloon is due to be finalised in full after the last monthly schedule repayment is made.
Pepper Money offers terms on motor vehicle funding from 1 year to 6+ years, subject to meeting approval guidelines.
Both banks and non-bank lenders can offer borrowers affordable motor vehicle funding. Lenders have varying criteria for approval. The best option for an individual is the one that best suits their profile and specific requirements.
A non-bank lender is a provider of financing products that do not have official banking status. They do not hold deposits for customers. As they do not hold deposits, the financing extended to borrowers is sourced through capital markets rather than deposits.
Pepper Money offers no deposit motor vehicle funding, subject to individual approval.
Secured motor vehicle funding includes the vehicle as the main and, in many cases, the only source of security for the borrowings. Subject to approval of the credit profile and application, many buyers will not require additional collateral.
Pepper Money offers highly competitive interest rates on motor vehicle credit.
Yes. The company offers credit for new and used vehicles.
Yes. Pepper Money has a commercial asset product selection to fund business vehicle purchases.
Pepper can approve borrowings of up to $150,000 on petrol and diesel vehicles and up to $300,000 on new green vehicles.
