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Pepper Money Spain
We provide sophisticated point-of-sale financing solutions to more than 9,500 retail merchants and 900,000 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
*Figures in USD as of 30 June 2021
Assets Under Management

Products and Services

Point-of-sale (POS) financing

As a lender, we offer merchants and their customers simple and instant access to credit for their offline and online purchases across Electronics, Furniture, Beauty, Dental services and Optical products.

Personal Loans

Our POS 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. Both in offline and online purchases at point-of-sale or with those deciding to access convenient financing to achieve short-term goals.

Our Successes

June 21st, 2021

Pepper announced the launch of a superior 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 Chop Express, an innovative process to facilitate offline point-of-sale financing. The new underwriting process reduces the need of information from customers at the store.

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 point-of-sale financing through merchant agreements and by building a unique personal loan engagement with over 900k 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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