Brandwave

Pepper Money vs Up:Which is more popular?

In September 2026, Pepper Money had more branded searches than Up among online home loan lenders in Australia. Pepper Money had about 49,500 branded searches, while Up had 34,700. Pepper Money made up 27.7% of all online home loan lender searches we track, and Up accounted for 19.4%. When we asked ChatGPT and Google AI Overviews about online home loan lenders, Up appeared in three of the five answers and Pepper Money in none.

Among online home loan lenders in Australia in September 2026

Who do people search for more?

Pepper Money, about 43% more searches than Up

Pepper Money 49.5K searchesUp 34.7K searches

Who does AI mention more?

Up, mentioned in 3 of 5 answers, Pepper Money in 0

Up in 3 of 5Pepper Money in 0 of 5

Who does AI recommend more?

Up, the only one of the two named

Up first in 2Pepper Money never named

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Top online home loan lenders in ChatGPT and Google AI Overviews

In three ChatGPT questions and two Google AI Overviews, Up was mentioned in three out of five: in two of the three ChatGPT answers and in one of the two Google AI Overviews. Pepper Money did not appear in any of the five answers.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

  1. Unloan1st
  2. Up2nd
  3. loans.com.au3rd
  4. Athena Home Loans4th
  5. ubank5th
  6. Pepper Money–

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

  • Up3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Unloan3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • loans.com.au2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • ubank1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Athena Home Loans1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Pepper Money0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers

See every answer about online home loan lenders

5 answers

  • Asked ChatGPT

    “Which online home loan lender should I use in Australia?”

    1. 1Unloan
    2. 2Up
    3. 3loans.com.au

  • Asked ChatGPT

    “What are the best online home loan lenders in Australia?”

    1. 1Unloan
    2. 2Up
    3. 3loans.com.au
    4. 4Athena Home Loans
    5. 5ubank

  • Asked ChatGPT

    “What's the best home loan in Australia for a first home buyer?”

    1. 1Unloan

  • Searched Google, AI Overview

    “home loan”

    1. Searched Google, AI Overview

      “home loan comparison”

      1. 1Up

    Not named in any answer:

    Brands are shown in the order each answer named them. The survey took place in Australia on October 22, 2026.

    Is Pepper Money or Up more popular in search?

    This chart shows how often people search Google for Pepper Money and Up by name. Each line represents a brand's share of searches for all six online home loan lenders we track, month by month, from searches in Australia.

    Pepper Money and Up among online home loan lenders in Australia, by month

    Share of searches by month for Pepper Money, Up. The figures are in the table below the chart.

    View monthly share of searches table
    MonthubankPepper MoneyUpUnloanAthena Home Loansloans.com.au
    Oct 202541.9%27.4%19.2%8.2%2.4%0.89%
    Nov 202537.5%29.7%20.8%8.9%2.2%0.96%
    Dec 202542.7%28.1%19.7%6.9%1.7%0.9%
    Jan 202642%27.5%19.3%8.2%2%0.89%
    Feb 202642.1%27.6%19.4%8.2%2%0.72%
    Mar 202642.1%27.5%19.3%8.2%2%0.89%
    Apr 202639.6%31.6%18.2%7.7%1.8%1%
    May 202641.6%27.1%19.1%9.9%1.6%0.71%
    Jun 202643.7%28.7%16.6%8.6%1.7%0.75%
    Jul 202639%31.3%18%9.3%1.5%0.82%
    Aug 202639.2%31.3%18%9.4%1.5%0.67%
    Sep 202642.4%27.7%19.4%8.3%1.6%0.56%

    How has the Pepper Money and Up comparison changed over the last 12 months?

    3 findings
    • Pepper Money was ahead of Up in every measured month of the 12 months ending September 2026.
    • Across the 12 months ending September 2026, Pepper Money’s share of searches among online home loan lenders in Australia moved from 27.4% to 27.7%, and its estimated monthly branded searches held steady at 49.5K.
    • Across the 12 months ending September 2026, Up’s share of searches among online home loan lenders in Australia moved from 19.2% to 19.4%, and its estimated monthly branded searches held steady at 34.7K.

    How did search popularity change for Australia online home loan lenders in September 2026?

    2 changes

    1. In September 2026, Up gained share of searches among online home loan lenders in Australia, from 18% to 19.4%.

    2. In September 2026, Pepper Money lost share of searches among online home loan lenders in Australia, from 31.3% to 27.7%.

    How are branded searches counted?

    4 search terms

    Brandwave collects information about searches that people make online using Pepper Money’s and Up’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.

    Pepper Money

    1 branded search term

    • pepper money

    Up

    3 branded search terms

    • up bank
    • up bank home loan
    • up home loan

    How the Brand Demand Index is measured

    Other head-to-heads among online home loan lenders

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