Become a Pepper Money referral partner

Support more of your clients without adding to your workload

Become a referral partner

Why partner with Pepper Money?

  • One of Australia's largest, most trusted, award winning non-bank lenders –we’ve helped over 614,408* Australians since 2000.
  • Dedicated Lending Specialists – real people who pick up the phone. Your clients get expert support from day one.
  • Leading service – 1-2 day SLAs on new deals
  • Really helpful loan options – home, SMSF, commercial, asset finance and personal loans. One partnership covers more of your clients.
  • Extensive depth and breadth – we offer one of the widest ranges of loan options in the market – and the depth of our lending policy means we could help more customers.
  • Get rewarded – earn commission for every referral that settles
Pepper Money refinancing trio

Why partner with Pepper Money?

  • One of Australia's largest, most trusted, award winning non-bank lenders –we’ve helped over 614,408* Australians since 2000.
  • Dedicated Lending Specialists – real people who pick up the phone. Your clients get expert support from day one.
  • Leading service – 1-2 day SLAs on new deals
  • Really helpful loan options – home, SMSF, commercial, asset finance and personal loans. One partnership covers more of your clients.
  • Extensive depth and breadth – we offer one of the widest ranges of loan options in the market – and the depth of our lending policy means we could help more customers.
  • Get rewarded – earn commission for every referral that settles

How it works

A simple process. No lending work on your end. You simply ‘spot and refer’ your clients – without offering them any advice, recommendation or information about our products or services. 

Submit your details

Fill out the form below. We’ll be in touch to talk through how the partnership works.

Get set up

We’ll onboard you and set up your referral arrangement.

Refer your clients

When a client needs lending support, you connect them to us using this form after obtaining their consent. We take it from there.

Appointment

Within one business day, a dedicated Lending Specialist will get in touch with your client to arrange an appointment. They’ll talk through their goals to see if we may be able to help.

Updates

If approved, our Lending Specialist will keep your client updated throughout their loan journey.

Commission

If your client’s loan settles, your commission payment will be made by the end of the following month. 

   

Give your clients access to our really helpful
SMSF loan options

Whether your client is an SMSF corporate trustee looking to invest or refinance, a Pepper Money SMSF loan could help them take the next step. They may be able to use an SMSF loan to:

  • Buy a residential property
  • Buy a commercial property
  • Refinance an existing loan 

   

Loan amounts up to $5m

Max loan amounts differ across product options and security type and LVR

Up to 90% LVR

Max LVR differs across product options

Up to 30-year loan terms

With I/O available for up to 5 years

Redraw available

Twice a year per the anniversary of the loan, up to $50k at a time for repairs/maintenance of security property
Become a referral partner

More ways we could help your clients

Home loans

From self-employed borrowers to investors, first home buyers to credit-impaired – we could help the customers banks often can't. With prime and non-conforming options, flexible income types and up to 95% LVR, we work to find a way forward.

Commercial loans

Commercial property lending with a can-do approach – offices, retail, industrial, mixed-use, childcare centres and more. Whether your client is buying, refinancing or consolidating debt (including ATO debt), we may be able to help.

Asset finance loans

Commercial property lending with a can-do approach – offices, retail, industrial, mixed-use, childcare centres and more. Whether your client is buying, refinancing or consolidating debt (including ATO debt), we may be able to help.

Personal loans

No-fee~ personal loans from $5,000 to $100,000 (personal loans solely for car purchase limited to $50K) – with fixed rates, flexible terms and funds as soon as the next business day. Whether your client needs to consolidate debt, renovate or make a big purchase, we’ll see if we may be able to help.

   

Ready to get started?

Fill out the form below and we’ll be in touch within 1 business day.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

Personal information is collected, used, stored and disclosed in accordance with Pepper's Privacy Policy.

   

Important Information

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice, you should consult a licensed financial or tax adviser.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

* Cumulative number of customers from 2004 to 31 December 2025.

~‘No fees’ only applies to new loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 ("Pepper"). Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

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