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Pepper Spain
We provide sophisticated point-of-sale financing solutions to more than 10,000 retail merchants and 1.1 million customers across Spain.

We use proprietary technology, credit models and machine learning for instant underwriting under an environment of efficiency, credit risk control and superior data management.

in numbers
*All figures are in USD as of 30 June 2023
Assets Under 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.

Personal Loans

Our customers, after showing a minimum payment track record, enjoy preauthorised access to convenient personal loans through a frictionless process.


Our Strategy

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.

Our Successes

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.

What our customers value about us:
For a company with a high volume of financed sales, being able to process operations in record time and with as little paperwork as possible ensures a high percentage of success.
Lo Monaco Adela Liñan

Our Story

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.

People are at the heart of our business. Here’s what some of the teams have to say:
For me, working at Pepper Spain means improving myself daily, being meticulous in everything I do, seeking success above all else and having the gratitude that we all work for the good of our clients. It is a company that has taught me that with the work and quality of its members we overcome all the obstacles that we encounter (which are not few).
Jose Maria Gonzalez
Key Account Manager Point-of-Sale
From my experience for the department to which I have belonged for more than 14 years it means a lot, since we are a family and in it I include my immediate superiors. The best work environment, incredible team… All I can say is good, and I hope I can continue to have the luxury of working with whom I work for many more years.
Miriam Suela
Customer Service Area
Working at Pepper Spain means moving within a constantly changing environment, assuming great challenges in a very dynamic environment, with diverse work teams. We work with teams of demanding people and with the constant improvement always present. In the face of any blocking element, we are able to respond in an agile and effective way.
Sara Zaballos
Innovation Department

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