Loanapp is an electronic loan submission tool used to submit loan applications directly into Pepper's credit processing system, creating much faster turnarounds. Loanapp has all the functionality that you need to complete a loan submission like auto-populated Application Forms, fast and easy supporting docs upload, and a check of serviceability. 

This is a guide on how to complete a Pepper application through Loanapp, check serviceability, generate your supporting docs checklist and Pepper application forms, submit to Pepper and upload supporting docs.

If you need help at any time, you can live chat from within Loanapp (see details below); or send an email anytime to support@simpology.com.au
Tip: Loanapp functions best in Chrome or Firefox so try to be using these browsers when launching (rather than Internet Explorer)

How to launch Loanapp 

Pepper Money will send you an invite via email to set up your Loanapp login. During this process you will need to set a password, and a profile pic or avatar. Your login credentials will always be your email as login, and whatever password you set.
Note that the URL for Loanapp is https://app.loanapp.com.au/peppernz

When you have completed your login - you will open onto the grid page of Loanapp, which will list any apps you have started and/or submitted.

Before taking you through the rest of this article, the most important button we want you to know about is the help button in the bottom right corner of any Loanapp page. When you click on this button, a pop-up window will open providing you with two options to choose from:

  1. Get Support by 'starting a new conversation' - our online chat service where you can get in touch directly with our friendly Loanapp support team

  2. Our Help Centre by 'finding an answer quickly' - where you have access to many useful articles and videos that may assist in your query;

Click on the Help Button whenever you need us!

Keep reading if you would like a run-through of Loanapp and its functionality.

 To start a new application, click "create new" in the top left corner:

While Loanapp is opening, you will see the following screen: 

Precursor Tab

When you have launched Loanapp, you will land on the Precursor Tab,  which is mostly auto-filled with information about you, the creator and submitter of the loan. This data will have come from your credentials within your profile (so if anything is wrong, it will need to be changed in your profile for in the top right corner). Click on Sales Channel to check your details:

Current Situation Tab

The next Tab in Loanapp is the Current Situation Tab, which is where you complete all the information about your applicants’ current situation. Here you add Applicants, their contact and employment details, and their existing Assets and Liabilities. 

In this example, one applicant has been populated: 

You can click through the tree on the left to add details about your applicants such as contact details, employment and proof of ID. In this image, I have clicked on Sam Kiran and I have been taken to the details page for Sam:

Loanapp has logic built in it where it identifies any information that Pepper Money NZ needs to be able to process a loan application. You can see where required data is missing in a section where there is a red bell, and when you click to open the page with the red bell, the data fields that are missing in that page will have red borders, and there will be a list of the errors on the page in the top right:

New Requirements Tab

The New Requirements Tab is where you add the details of this loan application, such as new properties being purchased, and also the loans that are being applied for. You can also add the details of any contribution funds being provided in the application.

Building an Application

To build an application, you start by completing the details under the current situation tab. 

To add Applicants, choose the appropriate menu item for Person, Company or Trust Applicants.

When you add an applicant, a number of pages will appear that will need to be completed. You will note the page menu on the left hand side will expand as you add applicants. These pages will each have sets of data that need to be completed. For example, when you add a person applicant, contact details pages, and employment pages are created and must be completed for that applicant.

When you have completed the Borrowers and Guarantors, you can then build the Statement of Position by adding Assets, Liabilities and other income to the application. 

Loanapp Features

Live Business Validation

Loanapp has Pepper Money NZ validation rules built into it. When you open an application, you will be able to see visually what data needs to be completed in a few ways:

a. Fields that must be completed will have a Red border. Fields with a neutral border you can complete if you like, but Pepper Money NZ doesn't necessarily require the information to process the loan: 

b. Pages or sections that are not complete and have something missing can be identified by the Red bell symbol. When a section is complete, you will have a Green thumbs up symbol.

Unsatisfied validation rules for each page are always listed in the “messages” list in the top right corner of each page:

These rules will disappear as you type in the correct data.

Grabbing Data From Other Sources

We have a few third party sources that we pull data from so that you don't have to type it in.

For example, when you are adding in a security property, we have type ahead functionality to find the correct property, which calls out to Googlemaps and pulls down the full, validated property address and inserts it into your application:

We also call out to NZBN Lookup when you are adding a company (eg an employer):


We have a number of icons that are used in the application like the red bells and green thumbs up to help you visually. 

Key icons


You can add free-text comments to support the data you are entering on a number of pages in Loanapp, where-ever you see the Comments button:

When you click on this button, you are presented with a comments popup where you can add free-text comments relating to that section of the loan application:

Any comments you add will be printed in the comments section of the application form.

The File Tab

Once you have completed the application data, you can go to the FILE tab to access supplementary functionality, such as serviceability, print forms, supporting documents checklist and upload, and the submit process.

Summary and serviceability

When you have completed a valid application (ie no more red bells, all green thumbs up), you can generate the summary and serviceability reports which break down the details of the application for easy visual review; and calculate the serviceability of the application.

When you click serviceability, Loanapp will do a quick validation check to make sure you have completed all the required fields for Pepper Money NZ applications and comply with their business logic:

If anything is outstanding, you will be able to click through from the validation check to the right section of the application to complete:

When you finish the validation check, you can generate different reports by clicking on the menus within the summary and serviceability tabs.

Supporting Documents Checklist
The checklist menu item generates a supporting documents checklist that is created for your application scenario, against Pepper Money NZ's requirements.

Print forms menu items generates all the required forms for your application, completed with the application data and ready for review and signature. You can generate the Application Forms before submission when you have a valid application (no red bells); or after submission at any time. The Application Package is a print out of all the data you have entered into Loanapp:

The Application Short Form is Pepper Money's short form application which must be signed and submitted with the supporting documents:

Supporting Documents Upload

You can upload supporting documents both before and after you submit the actual loan application. 

If you upload any documents before you submit, this is just a handy way to house your docs as they come to hand, while you are building your application. This will not be submitting the docs to Pepper Money NZ.

To upload documents before submission, click on the FILE tab, and in the FILE menu, scroll down to Supporting Docs. When you click on here, you will open the Supporting Documents engine that allows you to upload your documents.

You can drag and drop files or click the "add files" button to open your file menu to select files to upload.

(More on the post-submission supporting docs engine below)

The Submit Process

When you think you are ready to submit your loan, the submit process does a quick validation check of the application. If anything is outstanding, you will be able to click through from the validation check to the right section of the application to complete. Loanapp will do a final check of serviceability, and then you will be able to submit the loan.

The final screen is where you need to confirm you are ready to submit; then submit the application to Pepper Money NZ.

When you have finished the submit process, you will be presented with two options.

  1. Finalise Supporting Documents, where you can upload and allocate your documents and submit to the lender.

  2. Re-Open your submitted application in read only mode

If you choose option 2, you will go back into your submitted app. Your Lender Reference Number will be on the right side of the yellow bar; and you can click on the Red button to finalise and submit your supporting documents to the lender.

If you choose option 1, you will go straight to the supporting documents engine:

When you go back into supporting documents (in the FILE tab), you will go into the full version of the supporting documents engine. The engine has a number of panels.

  • Panel 1 displays the first page of each of your uploaded documents.

  • If you click on a front page in Panel 1, Panel 2 displays all the pages in that particular document.

  • Panel 3 is the checklist you must satisfy for this loan.

  • If you click on an item in Panel 3, Panel 4 displays all the documents the lender allows to satisfy that particular requirement.

To upload more documents, click UPLOAD in the top left corner to select from your files, or you can drag and drop into the first panel. You can upload all sorts of files - PDF, JPEG, PNG, Word, Excel.

When you have uploaded all your documents, you can drag a full document from the first panel, or particular pages from the second panel, across to a requirement and attach it to satisfy the condition.

Depending on Pepper Money NZ requirements, you may need to validate the document. If you do, you will be presented with a new screen with a large image of the document (you can click through the pages on the left if you need to), and the items the lender requires you to confirm on the supporting document. You will need to click the verification rules, and save:

When the documents are "attached", they will be visible on Panel 4, and the condition in Panel 3 will be satisfied (it will have turned Green):

Click through all the requirements, attach the required documents, and the 'completed' and 'remaining' counters will change accordingly, as you turn items Green. When you have completed everything, you will have all green items, and no further documents required:

Supporting Documents Tools

You can create exceptions if you need to submit something that doesn't quite match the checklist by selecting the requirement in Panel 4, and before attaching something, clicking "create exception":

You can crop, split, rotate, redact, draw, write, and change the size of your document.

You might also want to send "other" documents to Pepper Money NZ (that were not listed on the checklist). Loanapp allows you to upload and attach "other" supporting documents by attaching to the "other" item in the Task List.

Resubmitting Supporting Docs

Often you will need to send up additional supporting documents after you have sent in your initial batch...for instance, if the lender has reviewed your submission and asked for other documents. 

When you re-open the Supporting Documents engine, the first batch of supporting documents that you have uploaded and submitted to the lender will still be visible for review; and there will be a Green bar across the page with the date of the first submission; and which means you cannot EDIT what you have already done:

When you trigger re-submit, the dark Green bar will turn Lime Green, and you will be able to attach more documents:

When you’ve attached the new docs, you will need to trigger the “Submit Documents to Lender” function.

Thanks for reading. Remember, you can reach out to the team at Loanapp at any time for help via the online chat icon. 

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