We use proprietary technology, credit models and machine learning for instant underwriting under an environment of efficiency, credit risk control and superior data management.
Products and Services
BNPL and Point-of-sale (POS) financing
As a lender, we offer merchants and their customers simple and instant access to 100% digital payment plans for their offline and online purchases.
Our customers, after showing a minimum payment track record, enjoy preauthorised access to convenient personal loans through a frictionless process.
We leverage a unique combination of technology, superior data modelling and management capabilities to become Spain’s favourite specialist finance provider for both offline and online purchases.
January 28th, 2022
Pepper announced the launch under test of a pioneer new high ticket PoS payment plan solution based on open banking features. With this product, our off-line partners will offer a 100% digital instant solution to customers doing large purchases.
November 21st, 2021
Pepper announced the launch of a superior BNPL online point-of-sale solution, enabling our ecommerce partners to offer flexible payment plans to their customers.
October 1st, 2020
Pepper announced the launch of Pepper Express, an innovative 100% digital BNPL for offline point-of-sale payment plans. The solution, based on payments made over a credit card and very few data points, achieved an immediate early adoption success across the entire merchant base.
In 2013 Pepper acquired Celeris Consumer Finance, which became Pepper Money for Spain. Lending activity was successfully relaunched by the business in late 2014. Since then, Pepper Spain has consolidated a leading position in the offline and online BNPL financing through merchant agreements and by building a unique personal loan engagement with 1.1 million customers.