Paid a bike out wanted a letter from them to trade in bike just paid out NO took their time WORST customer service. Worst company to ever deal with. DO NOT ever get a loan with this company you will be sorry. MINUS 10 stars for this crap company.

I paid regularly by direct debit and never delayed a payment for the last 3 years for my car loan. I enquired about the payout figure and paid them in full. Capital Finance confirmed they have received the payment but will issue a letter of no interest in the vehicle after 7 business days. Why 7 business days and not immediately? 'It is standard procedure' - no further explanation. Once the 7 business days were over, I was in arrears for $24 because at the end of 7 business days there is interest for those 9 days (7 business days + weekend). Small amount but their practices are unethical at best. Never again.

Not happy at all with capital finance! I spoke to one customer service rep who told me there would be no fee if I paid out my loan early. Paid it out, only to be continually charged each fortnight. Called back, got another rep who told me I would be refunded the $400 I was over charged. It didn't turn up so called again and was told I was charged $390 for an early termination on my contract and am now owed $10. What a joke!! And the last guy was so rude.

STAY AWAY FROM THIS COMPANY!!!
I can thankfully say, its been 4yrs with this arrogant lot. My partner gave me authorisation to take over after 1yr and a half with them, he found they were not listening to his concerns, since I have handled our dilema with them, I have been frequent in our payments and now we are way ahead, I am not authorised to find out how much we are ahead...unbelievable! thank goodness we are nearing the end of our car payment, I can finally stick the middle finger to them and never deal with them ever again.

Phoning customer service is worse than dealing with Telstra. They are rude & ignorant, will not listen to a word you say. They appear to be trained to stonewall customers and be as unhelpful as they possibly can. They could be ex Telstra employees? I would give 0 stars if it were possible, avoid this company if you can.
I may go and ring Telstra now to cheer myself up.

Never had an issue with them. Have left me alone as i make my payments. Let me pay out my car loan early with no issue. Let me get a personal loan while i had the car loan. And let me refinance for a larger personal loan amount with no fuss.
Conclusion:
Pay your repayments, and you'll never have an issue with Capital Finance

We have had nothing but trouble with Capital Finance. Lots of fees, poor customer service and a dispute resolution department that doesn't return calls.

Expect to be cold transferred to Collection House even when you account is current and up to date, simply because the representative doesn't feel like dealing with your account inquiry.

Got car in monthly payments plan but when I was in financial hardship they just don't care and just take more fees. Worst thing ever happened to me. They just look after their money not service.

Hubby and I are going through hardship and have recently been approved 3 months, of not having to pay our monthly premium, through Capital. They have taken car payment today and I am distraught. On so many occasions, we have been promised that agreements have been put in place, only for them to fail us every time.

This isn't the only time we've had drama with them. Their customer service skills are appalling and extremely under trained.

Anyone's circumstances can change for the worst, and trust me, you don't want to be dealing with this company when you are. They are heartless to our current situation and haven't done anything to help!

After being in good standing for 5 years, I asked if I could pay out the balance 3 months early, their reply.... Sorry, but that will be a $6251.71 penalty!!!!
Wow!
Not only that, the customer service officer actually treated me very condescendingly and seemed to get pleasure from telling me that there was nothing he could do about the penalty and that he was the superior officer.
Seriously, I would highly recommend using ALPHERA or similar to anyone looking to finance a vehicle, and check about early payment penalties.

Paying a monthly irregular amount of interest over a 4 year period. Car loan was $40,469.69, but I have calculated that the interest I have paid so far is $18,530.91. On a car loan. Not even being paid towards my car ownership. Incredible. Do not recommend Capital Finance AT ALL.

Going through a rough patch, behind by 1 payment. 43 calls in 2 weeks & 10 texts even though I have been constantly paying smaller amounts to catch up. According to their letter they sent to me I have 35 days to catch up which I will do easily (still have 14 days left of the 35) but they continue with the calls got 7 calls yesterday alone!!! It's called harassment. Took one of the calls yesterday they had the incorrect amount owing, payments received then told I was a liar (just as well I have the receipts) and spoken to like I was idiot. This person was so rude and abrupt.

Have just finalized another Chattel Mortgage and have done a number over the years. Always had good service and no problems