Family learning about Pepper Money Lending
Family learning about Pepper Money Lending

About Pepper Money

Find out how we are making a real-life difference.

Get to know us

Back in 2000 we were set up to offer alternative home loan options for people getting turned down by the banks. People who could afford a loan but were getting a “no” because of their current situation (like, old credit issues or not having the right paperwork). Our flexible approach meant looking at each person’s situation on its merits and factoring in the ups and downs of real life. Since then we’ve made a difference to 100’s of 1,000’s of people.

We're the home of real life home loan options.


What's a non-bank lender?

Put simply, a non-bank lender like us provides home loan options for Kiwis that don’t meet the lending criteria of the banks. Otherwise – we are not so different. We both offer people home loan options and we both make sure we are lending responsibly.

How the Reserve Bank describes non-banks 

In New Zealand, the Reserve Bank uses the term ‘Non-Bank Lender’ to describe a wide group of organisations including: savings institutions, deposit-taking finance companies and non-deposit-taking finance companies. As Pepper Money we fit into the non-deposit-taking space, but what does that actually mean?

How we fund the loans we offer 

Unlike banks we don’t take deposits (money people put in their savings accounts), so where bank loans are mostly funded by those customer deposits our loans are funded by money raised through professional investors. 

We're also keeping an eye on the planet

We've always worked to support sustainable environmental initiatives - making sure we're doing our bit for the planet. In 2021, as part of our 21st Birthday Celebrations, we planted 7 hectares of protected forest in the countries we operate in; Australia, New Zealand and the Philippines. And what's more it all started with our first trees just 80km off the Auckland coast in Aotea, the beautiful Great Barrier Island.

We have also helped contribute to a seedling nursery to help us plant trees for many years to come.

Meet the local team

Our people come from all walks of life and backgrounds but they are united by a shared attitude; a can do approach and to help if they can. 

  • Campbell Smith

    Country Head of New Zealand

  • Cherry Li

    Lending Specialist

  • Daniel Meharg

    Head of Product

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Are you an adviser interested in helping more borrowers?

Our backbone is a dedicated network of third-party financial advisers we work with to create more opportunities for more people.

Get accredited today and get on-track to provide our flexible loan options to your customers today. Give every bank “no” the Pepper Money non-bank test. 

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.