Our Guaranteed Future Value (GFV) product, explained
Our GFV product provides your customers with a guaranteed future value for their vehicle, equal to the final balloon payment at the end of the loan term. If approved and your customer chooses to return their vehicle to Pepper Money at the end of the loan term, the GFV will be used to payout the balloon payment, provided the vehicle meets the Fair Wear and Tear Guidelines and GFV Terms and Conditions.
Choose a vehicle
- Select an eligible new vehicle
Choose a loan term
- 36 months
- 48 months
- 60 months
Choose a kilometre allowance
- 10,000 km per year
- 15,000 km per year
- 20,000 km per year
GFV amount confirmed
- If approved, Pepper Money confirms the GFV amount that’s equal to the balloon payment
Who GFV could be suitable for
How GFV could help your customers
Brand-agnostic
Know the guaranteed future value
Flexible options
End of loan term options
Return
If your customer is ready to move on, they can return their vehicle at the end of the loan term, and use the GFV to payout the final balloon payment, provided the vehicle meets the Fair Wear and Tear Guidelines and GFV Terms and Conditions.
Keep
Not ready to say goodbye? Your customer can keep their vehicle by paying or refinancing the outstanding loan balance, including the balloon payment. As the vehicle is not being returned, the GFV feature will no longer be available.
Trade in
Your customer can trade in their vehicle and use the trade in to payout the balloon payment. As the vehicle is not being returned, the GFV feature will no longer be available.
Key GFV features
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Eligible vehicles
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New vehicles only, per eligible makes and models.
(refer to the GFV Product Guide in Solana) -
End of loan term option
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Return the vehicle to a Pepper Money agreed location
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Terms
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36, 48 or 60 months
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Kilometre allowances
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10,000 km, 15,000 km or 20,000 km per year
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Customer type
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Consumer only
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Payment frequency
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Monthly
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Payment method
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Direct Debit from an Australian bank account
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24/7 online access
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my.peppermoney portal
Your GFV Toolkit
Everything you need to get started with our GFV product.
Ready to bring GFV into your customer conversations and help more customers apply for a loan that meets their needs?
Important Information
Commercial in Confidence. Information is correct as of 1 July 2026 and subject to change at any time.
Information provided is factual information only and is not intended to imply any recommendation about any financial product (s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.
This information is intended for use by Pepper Money accredited brokers, aggregators and dealers only. It is not intended for distribution to, or reliance by, consumers.
*Secured Consumer Loan with Guaranteed Future Value (GFV) (Asset Finance) product is available from 1 July 2026. Refer to the Target Market Determination (TMD) to see if the GFV product suits your client's needs, objectives and financial situation. The final GFV payment to payout the balloon payment is subject to the Fair Wear and Tear Guidelines and GFV Terms and Conditions. The GFV product may not be suitable for all customers. It has higher interest rates and application fees than the Secured Consumer Loan (Asset Finance) product. If the loan is paid out early, or the vehicle is not returned at the end of the loan term, the GFV option will no longer be available and the Secured Consumer Loan (Asset Finance) product terms and conditions will continue to apply, including payment of the loan balance and balloon payment (plus applicable fees and charges). All applications are subject to credit assessment, eligibility criteria including eligible vehicles and lending limits. Terms, conditions, fees and charges apply.
© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.
