Pepper Money

Who we are

InfoChoice is one of Australia’s leading financial services comparison website. We've been helping Aussies find great offers on everything from credit cards and home loans to savings and personal loans and more for over 25 years.

InfoChoice lists more than 2,000 financial products from 145 Australian banks, credit unions, building societies and non-bank lenders.

We are not owned by a bank or an insurance company. InfoChoice, its directors, officers and/or Representatives do not have any ownership of any financial or credit products or platform providers that would influence us when we provide general advice. We may receive fees and commissions from product providers for services we provide as detailed below.

Important Information

Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. Products compared may not compare all features and options that may be relevant you. Not all products offered by each supplier may be compared. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Any advice provided on this website is of a general nature and does not take into account your objectives, financial situation or needs. Products included on this site may not suit your personal objectives, financial situation or needs. InfoChoice is not a product issuer or a credit provider and does not provide personal financial advice or credit assistance.

If InfoChoice refers you to a provider, you will be dealing with that provider directly and not with us. InfoChoice accepts no liability in respect to any financial or credit product which you elect to acquire from any provider.

By providing you with the ability to apply for an insurance quote or a credit facility we are not guaranteeing that your application will be approved. Your application is subject to the Provider’s terms, conditions and criteria.

Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

We endeavour to provide you with up to date and accurate information, however, on some occasions InfoChoice website may have some product changes that have not been reflected due to the large volume of products we compare and our reliance on product providers. InfoChoice will not accept liability for incorrect information. You should confirm any information with the product provider and read the information they provide.

Please take an opportunity to read InfoChoice’s Privacy Policy, Terms of Use Policy and Financial Service Guide and Credit Guide (FSCG).

Always free for you

Our service is free - no hidden fees or mark ups.

How we make money

To help you navigate the complex world of finance, insurance and utilities, we are committed to offering you a free service to help find you the right product to suit your needs. We get paid in four key ways.

1. Sponsored products are products offered by a provider with which InfoChoice has a commercial marketing arrangement in place.

Sponsored products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the “Show sponsored listings first”. They will have a link to a product provider’s website should you wish to get more information or apply for the product. InfoChoice has a commercial relationship with these product providers and may receive a commission, referral, fee or payment from a provider when you click on a link to a product. This payment structure may include a combination of:

• Cost per Click (CPA) for click referred from the InfoChoice website to a product provider
• Cost per Application (CPA) for completed applications that resulted from clicks referred from the InfoChoice website to a product provider
• Cost per Approved Application (CPAA) for completed approved applications that resulted from clicks referred from the InfoChoice website to a product provider
• Cost per Lead (CPL) for enquiries referred to a product provider or where enquiries result from referred clicks from the InfoChoice website to a product provider
• Cost per Issued Product (CPP) – for a successful sale that resulted from referred clicks or enquires from the InfoChoice website to a product provider, broker or other third party; OR
• Commission share on referrals to third party advice providers (mortgage/finance/insurance broker, financial adviser, financial institution, utilities provider or any other third party). Income could be an upfront commission and/or ongoing commission. The commission depends on the amount of the finance, cost of the product or other factors and may vary from product to product.

2. Featured Products and Advertisements are a form of advertising. InfoChoice may receive a commission, referral, fee, payment or advertising fees from a provider when you click on a link to a product. We may sort or promote the order of these products based on our commercial arrangements.

Advertising fees from product providers for product advertisements through emails, sponsored content or placement on the InfoChoice website are based on Cost per Impression, Cost per Click, Cost per Application, Cost per Approved Application, Cost per Lead, Cost per Funded, Fixed Sponsorship/Advertising fee or a combination.

3. Subscription Service aInfoChoice may also receive fees from product providers for the following activities:

• subscription fees for data provision; and
• fixed cost development, licensing and hosting fees for the use of financial calculators, key fact sheets and research.

4. Award Licenses. In some cases, for a licensing fee, our finalists and / or winners may choose to display our award logos in their marketing materials and on their website to promote the quality of the product to the public.

All fees are negotiated with institutions on a case by case basis and may vary between products and providers.