Expert Services to Secure Pepper Car Finance

As specialists in motor vehicle credit, we provide buyers with expert services to more easily and more conveniently, secure vehicle funding through Pepper Money. Our accreditation with Pepper Money provides industry-level access for our expert brokers to this competitive selection of auto funding products. Products that include flexible private and commercial funding options for new, used and green vehicles.

Flexibility is at the core of Pepper’s contemporary lending approach. With Pepper in our portfolio, we provide our customers with a valued non-bank lender, which our brokers consider when sourcing the most suitable offer and lowest rates across the vast auto lending market.

To find out if motor vehicle credit through Pepper Money is the right option, contact us to discuss your specific requirements with one of our specialist brokers.

Car Loan Comparison Tool

more information

Realise the Benefits of Sourcing Pepper Car Loans through Jade Finance

Apply Online

As a contemporary, non-bank lender, Pepper Money provides those interested in their credit products with online application services. A process that many borrowers appreciate and consider an easy way to source financing. A process that allows borrowers to easily access the competitive rates and flexible terms offered by Pepper Money.

Their Green Car Loan product can provide access to the EV market for more buyers, with highly competitive rates and a flexible balloon structure.

Get Pre-approval

But for borrowers who prefer a more personalised approach and the support provided by specialists in the motor vehicle lending sector, we can arrange auto vehicle funding through Pepper on their behalf. As accredited brokers with Pepper, we have direct and fast industry-level access to source quotes specific to the requirements of our customers.

Car Loan Specialist

Using our services can save borrowers the time of reviewing all the Pepper options, their eligibility criteria and comparing with other options. As one of our non-bank lenders, we know their criteria and the requirements of their application processes. Our service can assist borrowers to more easily complete the application paperwork, and enjoy the confidence of having an expert negotiate and liaise with Pepper on their behalf. Our brokers work through any fine print and provide easy-to-understand explanations.

To realise even more benefits from the auto funding products offered by Pepper, contact us to source and negotiate the best offer on your behalf.
  • Convenient online or phone Pepper application form.
  • Expert brokers to handle your Pepper Money car loan.
  • Save time and increase convenience.
  • Benefits of Pepper Green Car Loans.
Request Quote

Introduction to Car Financing with Pepper Money

Established in the year 2000, Pepper Money has built its brand awareness as an innovative non-bank lender and has received numerous industry awards. The business approach is differentiated from many other lenders by their flexibility in providing funding solutions with a ‘keeping it real’ attitude.

Pepper is a non-bank lender, which means they do not have banking status, which allows banks to accept deposits from customers. As a non-bank lender, funds to loan to customers are sourced from capital markets, not through deposits made by customers. We source a range of vehicle lending options for our customers through Pepper, including private and business funding and the lender’s special products for EV buyers.
  • Highly awarded non-bank lender.
  • Contemporary, innovative approach to vehicle funding.
  • Jade Finance is partnered with Pepper Money.
Woman in formal smart wear is using her smart phone while standing near modern car

Personal and Business Car Financing Solutions by Pepper Money

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.

Request Quote

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.

  • Pepper Money new and used car loans.
  • Flexible balloon and deposit options.
  • Private vehicle funding.
  • Commercial vehicle financing.
  • Fixed interest rates.

Special Green, EV Car Loans from Pepper

In line with the company’s innovative and contemporary approach, this lender provides a special financing solution for green vehicles. This special product may include a lower interest rate, terms of up to 7 years and a borrowing limit of $300,000.

A solution may be sought with no deposit, with a balloon component and with flexible terms. If an EV is on your buying list, speak with us about how a Pepper Green car loan may suit you.
  • Pepper Green car loans up to $300,000
  • Flexible balloons for EV loans.
  • Competitive interest rates for EV loans.
Woman paying for charging electric car

Know the Pepper Car Financing Eligibility Criteria and Application Process

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.

  • Eligibility criteria to suit many customer profiles.
  • Easy online application form.
  • Assistance from Jade to apply for Pepper Money Car Loans.
  • Generous borrowing limits.

Compare Car Finance Solutions by Pepper with Other Financing Options

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.

  • Compare Pepper car loan rates with other lenders.
  • Handy calculator to compare repayment estimates on makes and models.

Our Advantages of Financing with Pepper Money

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.

Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
{{Lender}} {{Loan Product}} {{From - Advertised Rate}}{{Rate Type}} {{From - Comparison Rate}}Comparison ${{Payment Amount}} MONTHLY
{{Loan Product}}
{{From - Advertised Rate}}{{Rate Type}} {{From - Comparison Rate}}Comparison ${{Payment Amount}} MONTHLY

* 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.

We work harder to secure the best rates.

Secure best rates

Get your quick quote

In order to provide the best experience, your details are saved on our secure server as you enter them.

Pepper Car Finance FAQ's

  • 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.