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Need help with your consumer loan?

Consumer loans are various types of loan or credit arrangements that are separate from your mortgage and are not secured on your home, or other property.

Pepper does not offer consumer loans in Ireland. However, we manage some consumer loans on behalf of other lenders, such as banks or investment companies. Pepper is regulated by the Central Bank of Ireland to manage consumer loans.

If you have a general query about your loan, or if you are concerned about financial difficulties, please contact us on 0818 818 181.

How to get started

It’s important to talk to us as soon as possible if you miss a loan payment, or you think you might miss one soon.

1

Speak to us

If you are struggling to pay your loan, speak to us as soon as possible to avoid the problem getting worse. Please contact us at 0818 818 181. The sooner we hear from you, the sooner we can work on finding a solution.

You can find out about support available from other organisations In Useful contacts.

2

Complete the Income and Expenditure (I&E) form

We will ask you to complete an Income and Expenditure form so we understand more about your finances. This form asks about your personal circumstances, including your mortgage(s), your income and your outgoings. We need a full picture of your situation so we can help you find the best solution.

3

We'll assess your application and get in touch

Once we have received all your information, we’ll work out which options may be suitable for you in the long term, and let you know what we decide. If we can’t find a solution that works for you or we can’t reach an agreement, we’ll guide you through the next steps.

Independent advice

You may prefer to seek independent advice from your financial advisor or from MABS (the Money Advice and Budgeting Service). MABS is a national independent advice service for people in or at risk of financial difficulties. Its services are free and confidential. For more details on MABS and other sources of information, see Useful contacts.

Supporting documents

After you fill in the I&E form, we may ask you to provide additional documents, so that we can fully assess your situation.

Forms and Documents

Income & Expenditure form

You will need to complete the Income and Expenditure (I&E) form. This is a PDF form and opens in a new tab.

Download the I&E form

Guide to Completing a Standard Financial Statement

This guide gives information you will need to complete the I&E form. The below link opens in new tab.

View Central Bank Guides

Get In Touch

Our friendly and experienced team is here to help you by offering the right support whenever you need it.

Contact Us