At Pepper Money, sustainability means doing business in a way that creates positive outcomes for our customers, employees, communities, and shareholders.
Our approach is guided by responsible business practices, strong governance, and a commitment to helping people succeed.
By supporting our customers, investing in our people, and contributing to our communities, we're creating long-term value for all our stakeholders.
Sustainability at a glance
Our Sustainability at a glance metrics provide a snapshot of the outcomes reported in our 2025 ESG Report.*
614,408
30+
$211,000
467
81/100
90/100
*Based on reporting contained within the Pepper Money 2025 ESG Report.
Learn more about our sustainability priorities and performance.
Our approach to sustainability and ESG
Helping people succeed has been at the heart of Pepper Money since we began.
We focus on the areas where we can make the biggest difference for our customers, employees, communities and stakeholders. It helps guide how we manage risk, make decisions and deliver positive outcomes through our products, services and operations.
Through regular engagement with customers, employees, investors, brokers, introducers and community partners, we've identified five priority areas that are most relevant to our business and where we believe we can make the greatest impact.
Together, these priorities help us deliver on our purpose of helping people succeed while creating long-term value for our stakeholders.
Responsible lending and industry standards
Responsible lending is fundamental to how we do business. As the first non-bank lender approved and accredited as a member of AFIA Finance Industry Code of Practice, Pepper Money is committed to promoting transparency, accountability and fair customer outcomes across the communities we serve.
Learn more about the AFIA Finance Industry Code of Practice.
Looking ahead
Sustainability is an ongoing journey at Pepper Money. As we continue to grow, we'll continue to strengthen our approach across key areas including customer wellbeing, climate-related risk management, community investment, employee engagement, and responsible business practices. By embedding sustainability into the way we operate, we aim to create long-term value while helping more people succeed.
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Customer wellbeing
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Community contribution and investment
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Responsible business
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Climate-related risks and opportunities
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Employee engagement and inclusion
Helping customers succeed is central to our sustainability approach.
We are committed to providing lending solutions that are designed to meet our customers' needs while reflecting responsible lending principles. We want customers to feel informed, supported and confident throughout their lending journey.
Supporting customer wellbeing means more than providing finance. It means helping customers navigate important financial decisions, access support when they need it, and build confidence throughout their lending journey.
As at 31 December 2025, Pepper Money has supported 614,408 customers since 2004.
Responsible lending
Financial support
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Target Market Determinations
Complaints and feedback
Security hub
We believe stronger communities create stronger futures.
Through Pepper Giving, community partnerships and employee volunteering initiatives, we support organisations working to create positive outcomes for communities across Australia.
Supporting communities is an extension of our purpose to help people succeed. By working alongside organisations that share our values, we can contribute to positive social outcomes and help strengthen the communities in which we live and work.
In 2025, Pepper Giving contributed more than $211,000 to support community organisations across Australia.
Community initiatives
Community stories
Pepper Giving
Strong governance helps us operate responsibly and maintain the trust of our customers, employees, partners, investors and regulators.
We're committed to conducting our business ethically and transparently, supported by policies and frameworks that guide how we manage risk and make decisions.
Responsible business practices underpin everything we do, helping us maintain accountability, manage risk effectively and support long-term sustainable outcomes for our stakeholders.
Corporate Governance
Code of Conduct
Modern Slavery Statement
Whistleblower Policy
Climate-related risks and opportunities are becoming increasingly important for businesses, customers, investors and communities.
Our approach focuses on understanding and managing climate-related risks relevant to our business while supporting practical sustainability initiatives and transparent reporting. This includes climate-related reporting aligned to evolving sustainability reporting requirements, including AASB S2 climate-related disclosures.
By strengthening our understanding of climate-related impacts and improving our disclosures, we aim to support informed decision-making and contribute to a more resilient future.
Green Bonds
Social Bonds
Electric Vehicle Loans
Seeding the Future
Climate Reporting
Our people are critical to our success.
We are committed to creating an inclusive workplace where people feel respected, supported and empowered to reach their potential.
By fostering an environment where diverse perspectives are valued and individuals feel they belong, we strengthen our culture, enhance collaboration and create better outcomes for our customers, communities and each other.
In 2025, Pepper Money recorded an employee engagement score of 81 and a manager impact score of 90.
Diversity Policy
WGEA Compliance Letter
Access our latest Workplace Gender Equality Agency compliance information.
WGEA Report
Review our most recent gender equality reporting and workforce data.
Gender Equality Reports
Explore previous reports and track our progress over time.
Sustainability reports and resources
Learn more about our approach to sustainability, governance and responsible business practices through the reports, policies and disclosures that support our commitments and performance.
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Reports and disclosures
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Policies and resources
Sustainability and ESG FAQs
Sustainability at Pepper Money is guided by environmental, social and governance (ESG) considerations that help us create positive outcomes for customers, employees, communities and stakeholders while supporting long-term business performance.
You can download the latest ESG Report from this page, or visit the Reports, Policies and Disclosures section for additional sustainability-related resources.
Information relating to climate-related reporting and disclosures can be found in our ESG Report, Annual Report, Sustainability Report and other climate-related disclosures, including reporting aligned with AASB S2 disclosure requirements.
We provide a range of financial support options and assistance programs designed to help eligible customers during periods of financial hardship. Information is available through our Financial Support resources.
We support community organisations through Pepper Giving, employee volunteering initiatives and partnerships focused on creating positive social outcomes.
Information relating to climate-related reporting and disclosures can be found in our ESG Report, Annual Report, Sustainability Report and other climate-related disclosures, including reporting aligned with AASB S2 disclosure requirements.
We’re committed to fostering an inclusive workplace through diversity, equity and inclusion initiatives, employee programs, leadership development and transparent reporting.
Our ESG Report provides transparency on the environmental, social and governance matters that are important to our business, our stakeholders and our approach to sustainability. It outlines our priorities, performance and progress across key focus areas.
