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360 Finance (page 2 of 5)
BobSydney, NSW
Well done
Highly recommended for low credit score laws that are ruin people's ability to do repayments,but they helped out no matter what your score is and at ease recommended,Thanxx Josh kindly Bob
1 comment
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DanielSouth East Queensland, QLD
- 3 reviews
Great rate, great help!
Besides saving me money, Ian continually kept me up to speed on what was happening. The dealers were annoyed that they couldn’t match the rate and made the transaction difficult. 360 managed to get it sorted for me and definitely went above and beyond. Highly recommended!
1 comment
Customer Service F.360 Finance
Thank you for your feedback, Daniel! Ian is an asset to our team and always works hard to ensure he provides the best service to all of his customers. We wish you all the best with your new loan!
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Awesome
Good communication and easy. Well done. Could be better rate and more information about rate for long term or short term comparing. Good friendly staff quick responding. Thank you for all effort
1 comment
Customer Service F.360 Finance
Thank you for taking the time to review us! We appreciate your feedback and will use it to continue to improve our services. We look forward to assisting you with finance in the future!
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The reviewer stated that an incentive was offered for this review
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Perfect!! Very helpful staff members
Helpful staff members very happy with the customer service got the best deal . Will recommended to all my friends.dont wait just give them a call and get the best deal
1 comment
Customer Service F.360 Finance
Thank you for your review! We really value your feedback and are glad we could find the best deal for you.
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Customer friendly & orientated
Very friendly and efficient c/service. Although the timeline was short and between Christmas and New Years the consultants got everything done on time. Consultants kept me up to date at all times
1 comment
Customer Service F.360 Finance
Thank you for taking the time to provide us feedback, Martin! Our finance specialists work hard to ensure all of our customers get the best service.
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IreneSouth East Queensland, QLD
- 2 reviews
Come for the rates and be disappointed.
Hope youre not in a hurry. They wont meet any deadlines. Be cautious of the guarantee of the best interest rate. If its the difference of missing a good deal look elsewhere.
1 comment
Customer Service F.360 Finance
Hi Irene,
Thank you for your feedback and also for engaging with us via private message.... Read more
Please accept our apologies for not meeting your expectations. We're a customer focused business and to have feedback from any customer that we fell short on delivering what we promise is not acceptable. Thanks again for getting in touch.Similar opinion? Write a review on ieatwords.com.au!
Brock and Josh were fantastic to deal with helped me out when ever l rang great job guys.
l was happy with the service rate was ok.team had no trouble finding the paperwork of other coworkers to help me out to close the loan thanks team for your help
1 comment
Customer Service F.360 Finance
Thank you for your review, Michael! We also think Brock and Josh are fantastic! We look forward to helping you in the future.
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The reviewer stated that an incentive was offered for this review
Awesome service
Dan from 360 finance delivered exactly what he promised and was upfront about the whole process. Always ensured the best possible outcome that met our needs and communicated very well.
1 comment
Customer Service F.360 Finance
We really appreciate your feedback, Jack! Dan works hard to provide his customers with fantastic service. We look forward to assisting you in the future!
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Amy FSouth East Queensland, QLD
- 2 reviews
Professional and great customer service
The whole process was very professional and easy. Dan at 360 Finance was very helpful and efficient, making this a stress free transaction. Highly recommend Dan and the team at 360 Finance, thank you for all your help!
1 comment
Customer Service F.360 Finance
Thank you for your valuable feedback, Amy. We are glad Dan and our team could assist you with your finance needs!
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Awesome Service
Simon was great to deal with approving my loan within 2 days and the dealership was paid the next day! The rate was lower than my bank making it much more affordable.
1 comment
Customer Service F.360 Finance
Thank you, Kyle! We really value your feedback. We are glad we could assist you and hope to continue to help you with all of your finance needs in the future!
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HaideeHunter Region, NSW
Excellent Service
extremely happy with my dealings with 360 finance, very efficient and new exactly what I wanted and needed. Simon and his is team are amazing. Thankyou very much for all you help
1 comment
Customer Service F.360 Finance
Thank you for your review, Haidee! We think Simon is amazing too! We look forward to assisting you with finance in the future.
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ShellyVictoria
Slow, lazy, terrible customer service
Applied for finance and emphasised I needed it done within the week. The representative didnt return calls, was extremely lazy on follow up and just didnt seem to care about their job. Took a week and a half for them to file the application using the excuse they didnt receive the documents until days later when they were in face sent the day they were asked for. No follow up was done to know the documents had not been received. Then leaving early and sick days were an excuse for the delayed process.
Went through another company and was sorted within a day! And a much lower interest rate!!
Strongly advise not to use 360 finance
1 comment
Customer Service F.360 Finance
Hi Shelly,
Thanks for taking the time to provide this feedback.... Read more
Despite our numerous efforts to contact you to clarify the details of your complaint, you have not provided a response. As a result it makes it very difficult for us to present a comprehensive reply to address you claims. I can confirm however that your statement around the interest rate being "lower" is not correct. Interest rates are typically finalised at the very end of the assessment process when all the information is known about the loan, and from your feedback it is clear we had not yet reached that point and had not therefore advised the rate (as it was yet to be determined!). We would still welcome the opportunity to have more clarity around your feedback, so please do not hesitate to get in touch should you decide to respond.Similar opinion? Write a review on ieatwords.com.au!
LoznowPerth
Customer service is non existent
Initial contact was fast, but have now been trying to get a hold of Viktor for 2 weeks, multiple phone calls and emails later and still no contact. Lost our business, we will not be recommending this service to anyone.
1 comment
Customer Service F.360 Finance
Thank you for your feedback, and for contacting us privately so we were able to understand more about your compliant.
Viktor accepts responsibility for not keeping you in the loop and understands yo... Read more
ur frustration - he thought he had informed you of the outcome of your application but he clearly did not. Please accept our apologies for this shortfall in service.Similar opinion? Write a review on ieatwords.com.au!
Marke
- 4 reviews
Did little to nothing
Called 360 finance started good Simon called me back had problem s sending so sent on Monday night emailed him Thursday then Friday saying do you still work there had not spoken to him near a week latter he got back to me and said he had been doing training and my info was in his junk box then he said he can't see I problem with my application only that I have 5 kids 2 live with me the other 3 I have for 3 days a week all up I get 76 thousand a year only have rent and a other car payment no other loans or credit he seamed to think I was on less I think that can be proved to him he said he would re run the figures but he never bothered to call me he never asked how much I wanted to borrow as well
maybe to hard
2 comments
Customer Service F.360 Finance
Hi Marke,
Thanks for taking the time to provide your feedback.... Read more
Unfortunately we regularly receive applications for finance from people who we just can't assist despite our best efforts. This may be for a variety of reasons, for example; an applicants time in their current job, their credit history, or their capacity to service the proposed loan. Many lenders also apply “standard” living expenses to loan applications, and this has a significant impact on the applicants ability to service the loan and the likely success of the application. These standards are based on industry data and is another way that the lender can make sure they are satisfying their responsible lending obligations and not putting the applicant into a loan that would cause them financial hardship later on. Simon consulted with a number of lenders to determine if your application would likely be pre-approved, but he was unsuccessful based on your own personal circumstances. Whilst our communication was lacking during the process and we apologise for this, I understand Simon tried to contact you with an outcome after he had exhausted all avenues for you. Should your personal circumstances change, we would welcome the opportunity to try and assist you again.Simon called me Back after I wrote the review and the last think he was saying was he would re run the figures and that is I am saying he didn't call me back untill this review but I had to Chase hi... Read more
m for the first week as well when he says been in and out of the office and doing training and that my emails in his junk box should your service get any better please give me the opportunity to waste my timeSimilar opinion? Write a review on ieatwords.com.au!
PhillSouth East Queensland, QLD
Deceiving - Do NOT Trust them
I have recently been on the market for a new car, so as you do, you make a few calls to make sure you can secure the best deal possible as there is ALOT of variances in the current market. I did make a call to 360 Finance as we had used them previously, seemingly without issue, this time round though....
I made a call to their sales department and spoke with a lady (not mentioning any names), I clearly stated that I had used them previously though I am just checking to see where their current rates are, so it was a "Quote ONLY".
So after being...Read more
2 comments
Customer Service F.360 Finance
Hi Phill,
Thanks for your feedback and our apologies for the delay in replying.... Read more
Would you be able to email us directly at [email protected] with your full name and phone number so we can investigate this further? Thanks, The 360 Finance Customer Service teamCustomer Service F.360 Finance
Hi Phill,
Thank you for contacting us directly.... Read more
Again, our sincere apologies for the lack of service that caused you to post about your experience, and our thanks to you for taking the time to bring it to our attention. Although we prefer positive feedback to know we've met our customers needs, feedback of this kind always gives us the chance to review our processes and make changes as required. All the very best, The 360 Finance Customer service TeamSimilar opinion? Write a review on ieatwords.com.au!
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Poor Transperency
Do not use 360Finance. The experience has been very poor as the broker will not disclose a complete story of the finance ("quote" an interest rate"). They have avoided providing an actual figure of interest rates using a hypothetical loan amounts without affecting or wrecking your credit profile. And beyond that have further affected my rating while applying for a different loan.
Under a consumer law, they have to disclose an interest rate figure prior to loan application (especially for car loans). And everytime this is discussed, they will t...Read more
ry and avoid the topic. They cannot confidently argue on your behalf (when denied credit) even on a strong income. And it appears to be a poor submission to the finance companies. Do not let the advertised “low interest rates” fool you.1 comment
Customer Service F.360 Finance
Hi there,
Thanks for your feedback and please accept out apologies for the delay in replying.... Read more
Individual interest rates are determined by a number of factors - the make, model and age of the vehicle you are seeking to finance, the amount and term of the loan and your own credit profile. This information is used by the lender to determine the risk involved in entering into a loan agreement and your capacity to repay the loan. However It is only when a customer has finally chosen their exact vehicle and we receive a tax invoice from a vendor that the final rate is determined in conjunction with the lender - we can only estimate prior to this as the rate for a 2015 used hatch is different to a 2022 new model, and customers will often change their mind on what they want during the application process. Prior to this point in time, we are unable to tell you with any certainty what the rate may be - simply because we don't know! Under the provisions of the National Consumer Credit Protection Act (2009) the interest rate that applies to a consumer loan must be included in the loan contract, and this is ALWAYS included in the loan documents that our customers receive, without exception. Further, we will never knowingly proceed with an application where we do not feel it will be approved by the lender. As part of the application, a credit check is conducted by the lender, and this is done with your express approval. If an applicant has neglected to provide information to us that may adversely impact their application, this is usually revealed by in the credit check and no amount of "arguing" on your behalf will change this. Income, although a vital factor in determining your capacity to repay the loan, is only one of many considered by the lender, and a customer with defaults or poor repayment history on previous financial commitments will find it much harder to be approved for a loan, or may qualify for a higher interest rate than they would like. We trust this provides a little more clarity about the loan application and our role in the process Please do not hesitate to contact us directly should you have further questions. Kind regards The 360 Finance Customer Service TeamSimilar opinion? Write a review on ieatwords.com.au!
Stuball
- 2 reviews
OBSCENE fees
They won't tell you their in house fees as they'll skirt that question by telling you they can't tell you what they charge until the loan is confirmed.. which in one way is true in regards to the bank loan rate, however in another - much more accurate way - they can actually tell you upfront that regardless of this rate they'll charge around a $1450.00 'bank/application fee' (most banks are around $250 or less total with no other fees) just to tie the loan down .. then they combine these amounts into the loan amount without asking as they know ...Read more
that you will also be paying back end interest to them on those fees as well via the creditor.. Then there's the $9 per month loan fee, $20 default payment, $20 if they ever have to chase it due to a default, $10 if you ever need to know how much is left outstanding or ask any questions then $50 + $20 per month to pay the loan out early.. the best part is that they won't give you this information until it's almost too late to try to bind you into getting the loan whether you want to or not... plus at the last minute as other people have noted they will ask for a significant amount of other, never previously mentioned, info likely to tie you up with getting that rather than potentially allowing time to search for other loans. The financial protection products they try to sell you include up to a 75% commission which they do disclose as they're required to - however if you really want this stuff go to anyone of a thousand insurance brokers who will give it to you for literally a fraction of the cost.... Finally if you call out the ridiculous fees while refusing the loan they'll tell you that they "won't work for free" while pointing to their approx 7% loan rate; which actually becomes an effective rate of about 14% compared to the 5.9% banks will offer when you factor in their fees; i.e. approx 250% of the loan rate you could likely get elsewhere. There's 'free' and then there's a disgusting attempt to legally rip off financially unsophisticated people and for some strange reason I feel this fits into the latter....1 comment
Customer Service F.360 Finance
Hi There,
360 Finance is a fee for service broker - although our brokerage fee is only payable if your loan settles. This is something that we make sure we tell all our customers in our very first ph... Read more
one call and most applicants elect to include it as part of the final financed amount.Similar opinion? Write a review on ieatwords.com.au!
Courtney dSydney, NSW
- 4 reviews
- 3 likes
Highly Recommend Ian
I spoke to Ian who was able to explain the process simply as it was my first loan. He was professional but also wasn’t transactional which was so nice. Great!
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emmvee85
- 3 reviews
- 1 like
Amazing service - thank you!
I got my car loan September 2018 with 360 through Craig and it was such a great experience, amazing service! From start to finish I found the contact to be very prompt and Craig was fantastic to deal with. Craig was really friendly and was always wonderful in answering my (many!) questions. 360 made everything super easy and crystal clear. I was able to buy my dream car, so happy! Thanks for everything 360 :))
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DhavalSydney, NSW
- 3 reviews
Low income earners don’t waste time
Really bad. People are not at all professional and don’t have courtesy to call back and reply to emails. Stay away from Clair because if u are a low income earner she is not gonna help you nor she gonna talk to you if u call them back. Stay away from the whole company.
2 comments
Customer Service F.360 Finance
Thank you for taking the time to provide feedback Dhaval. Due to privacy of your information, we can not respond in this public forum about your specific application and circumstances. We do note th... Read more
at during the application stage, required identification and documentation were not supplied by yourself and therefore were unable to be assessed by our lenders (based on their minimum lending criteria). Please feel free to contact our Customer Service Manager if you would like to discuss your application further.Thanks for replying but I received a mail asking for the documents after I posted this review that also after 1 week of headache chasing 360 finance and before posting I wanted to settle with 360 fina... Read more
nce but no one responded and all the responses I am getting now is after this review was posted and documents asked was only yesterday but I don’t have faith with 360 finance anymore. Sorry for the post but I think genuine buyers and 360 finance management need to know what actually is going on.Similar opinion? Write a review on ieatwords.com.au!
Questions & Answers
Alan Holleyasked
You have taken £90 out of my account without my permission...And I don't even live in Australia and i haven't applied for any kind of loan
PLEASE ADVISE WHY THIS HAS HAPPENED? ?
1 answer
Dear Alan,
Thank you for your message. Unfortunately, these transactions have not been instigated by this business. We are a legitimate finance broking business, licensed by the Australian Securities & Investments Commission & are a subsidiary of one of Australia’s largest public companies. We do not direct debit accounts either in Australia and certainly not international accounts.
We have seen a dramatic increase in emails related to this recently. Please contact your bank to put a trace on this payment to find where it has originated & to notify that it is fraudulent.
We apologise that we cannot be more helpful at this time.
Please see below links for companies that we have found in the UK that might be the ones charging you;
https://companycheck.co.uk/company/09477517/FINANCE-360-LIMITED/summary
http://www.fca.org.uk/news/warnings/360-financial-limited-clone
Kind regards,
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Customer Service F.360 Finance
Thank you for your review, Bob! Josh is very pleased to hear you have enjoyed our service. We hope to continue to assist you with any of your finance needs in the future.