Not exactly the best experience
I have been with Pepper for a few years now but
Opteon valuation is fraudulent and criminal
The Manager of the company who offered me the refinance loan deceived me in regards to my credit report. Deceived me by not letting me know I had defaults when I knew I didn't (long story). This put a higher percentage on my loan
Pepper is fine. If you can deal with Pepper instead of going through the 'middle man' then your experience should be a great one
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We were established in 2000 to help Australians achieve their financial dreams by providing flexible financial solutions that factor in the ups and downs of real life. Since then, we’ve become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand.