• Cypha Interactive

Pepper Money Website Redesign

Redesigning a lending experience that works for real life.

  • UX
  • Design
  • Development
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Making lending feel less like a loan application and more like a conversation

Pepper Money needed to turn a busy, content-heavy lending website into a clearer digital experience for customers, brokers, investors and existing borrowers. The direct-to-consumer channel was a growth priority, but the site structure, calculator journey and mobile experience were creating friction at the point where users needed clarity and confidence.

Cypha's role was to review the existing experience, map the key conversion issues and shape a mobile-first UX and design direction that could make lending pathways easier to understand, easier to use and easier to optimise.

The Challenge

The existing Pepper Money site had expanded beyond its original architecture. Product content, Help Centre material, calculators and portal pathways had been added over time, leaving users with a slower and more complex journey than the business needed.

The borrowing capacity calculator was the main lead-generation path for the direct business, yet funnel completion was low and mobile abandonment was a particular concern. The design also needed to feel distinctly Pepper Money, not like a generic lender template.

The Process

We started with analytics, site review and stakeholder discovery to understand the audiences Pepper needed to serve: customers, brokers, investors and existing borrowers.

The UX process mapped the key product journeys, calculator flow, Help Centre pathways and mobile pain points before translating those findings into a clearer information architecture, wireframes and a responsive design system.

The Solution

The refreshed experience focused on clearer entry points, more confident lending pathways, stronger self-service cues and a warmer interface that felt more distinctly Pepper.

Recommended improvements included simplified navigation, more prominent calculator access, digestible content modules, trust signals, FAQs, testimonials, technical SEO foundations and front-end patterns that could scale across the site.

Pepper Money

Results

↓ 34%

Reduction in bounce rate across product pages

↑ 47%

Increase in lead form completions

Mobile-first

calculator and product journeys

Clearer IA

for customers, brokers and investors

SEO-ready

content and conversion roadmap

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