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360 Finance
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Going out of their way to get information
This company (as others are doing) is going way out of its way when requesting information for applications.
They asked me to type my bank login details on a web page that is not my bank's.
Basically, they want to be so sure that the information they are requesting is valid, that they want to log in themselves onto your account and check it. I do know that this is done through a service they use, that itself uses the bank's APIs to send and receive the information. But is the same thing, it's my account through another interface, and there is NO WAY TO ASSURE that your details are not going to be used for another purpose than stated, saved, or sent somewhere.
Too far guys, too far.
- Application Process
- Timeliness
- Incentivised Review No
Hello again.
100% secure? Are you sure? Is your company's IT/Software department writing the code for the form behind that page? Are YOU and YOUR EMPLOYEES personally checking that my information is ...
Read morechanneled through without any leaks along the way? I don't believe you can say it is 100% secure, ESPECIALLY WHEN YOU OUTSOURCE THE SERVICE!!Hi Daniel,
If you don't feel comfortable using the service then we will respect your decision....
Read more To answer your question - no, we didn't write the code that bankstatements.com uses. We also didn't write the code for Verimoto which requires customers to submit pictures of their ID to be verified electronically, but we also use this daily without issue, along with a number of other third party applications. We also didn't write the code for Apple Pay, or Google Pay. But over 500 million people use the Apple Pay service currently across the globe, and all trust that Apple won't be breaching their privacy anytime soon, despite their lack of personal involvement in coding the app. We are also happy to report that we have several thousand customers who have used bankstatements.com without issue over the past 4 years. Not one has reported being the victim of fraud as a result of using this service. Also, almost 90% of our lenders who use bank statements to verify expenses use this specific service - the rest use a different provider, but an electronic provider nonetheless. Its is standard across the finance industry to use an electronic expense verification tool which provides faster and more accurate assessments which in turn assists us in meeting our responsible lending obligations. We DO NOT make any money from using these applications - in fact we pay a subscription fee to use all of them. They're used only to make the application processes faster and more accurate which leads to better outcomes for our customers. Thanks again for raising your concerns, Daniel. All the very best.- 2 reviews
Apparently i'm new into the country
So just in the intial stages of having a discussion with George from 360 finance, when he realised I was waiting for other offers, George was kind enough to educate me on how new people into the country make the mistake of have a lot of credit checks on their credit profile. On pointing out that he was indirectly hinting I was new into the country and didn't know what I was doing with my financial applications, he was casual enough to explain that he couldn't do anything about the way i personally took his statement.
I'm 15 years into the country and have bought more than 8 vehicles in this time.
You have found a serious detractor, I'll be telling everyone about my experience.
- Customer Service
- Incentivised Review No
Hi Sumit, thanks for the feedback. The information that George was trying to convey was well intentioned (i.e. multiple enquiries will usually reduce a credit score), but was clearly very poorly comm...
Read moreunicated - the example he gave was clearly not applicable to your situation, though the way it was phrased suggested otherwise. Please accept our apologies for any offence that was caused during this conversation.Carloan
Ben muroa was very professional in his approach
To my loan easy to deal with love my new van thanks to Ben sourcing great finance for me. Love ur work thanks Ben cheers
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Love our new car! Can't live without it now.
I would like to say a huge THANK YOU to SIMONA from 360 Finance for all her help. She went above and beyond for, even working on a public holiday. There was nothing that she didn't explain, no hidden costs no issues nothing. She kept me informed every step of the way, i would and will be recommending her and 360 to all of my family and friends.
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Thank you Katrina! Simona was very happy to be of service!
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Highly recommend Simona.
Simona was great from the get go, first contact was made on a Saturday and I also spoke with her on the Sunday. Great communication and great customer service. Highly recommend Simona.
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Thank you 360
Thanks to Josh. Your the best.
Very easy process. Everything sorted in a timely manner with many updates along the way. thanks for everything and answering my million and one calls.
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Very impressed
Got me a incredible rate, super easy to deal with and did all the hard work for me. Jodi was super helpful. Highly recommended for anyone looking for a loan.
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Perfect couldn’t recommend more
The Customer service was great especially when dealing with Phil
No extra cost it was way cheaper then the big 4
Very satisfied with my low rate on a personal loan
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Super easy and very professional!
The whole process was extremely easy! Josh was fantastic to deal with, super friendly, very easy to reach and kept me informed the whole way. I highly recommend 360 Finance!
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Easy as
This is the second time I’ve dealt with 360 this time with Scott his communication by phone and emails were 100% got me a great rate on my new car will use them again. Cheers 360 finance.
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- 2 reviews
Streamlined, Professional and very prompt service. Highly recommended.
I found the service to be friendly, and quick
Brock was very easy to deal with. I would highly recommend 360 Finance to any Company or individual looking for a quick turnaround
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Amazing service would highly recommend!! Simona has exceptional experience and is a pleasure to deal with.
100% satisfied with the rate we received. It meant all the requirements we asked for.
Customer service was exceptional Simona always exceeds my expectations friendly, Knowledgeable and her communication is fantastic.
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- 3 reviews
- 1 like
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Rip off
Got the car loan from these guys bank in 2016. They scared me so much that my loan won’t be approved even though I have good credit and down payment. I never bought car before so I thought they are saying everything true. They approved my loan from Anz at 10.62 interest rate. I paid nearly $20000 in interest rate.
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Hi Navpreet,
Thanks for the feedback!...
Read more Full disclosure for the sake of a public form - we’ve engaged you privately about this at length and explained why you qualified for that particular interest rate as we always prefer to work things out privately rather than doing the whole “he said/she said” thing in public. I think we both agree that no amount of discussion privately is going to change your view. The only thing we want to correct publicly here is that the total interest payable on the loan was not “nearly $20000” as you have stated, but closer to $13,000 – as was clearly displayed on your loan documents way back in 2016. So thank you again for your feedback and we wish you all the very best for the future.- 2 reviews
Kepo made the process so easy and he’s response was fantastic I would recommend anyone to use 360 finance
Customer service 5 star Kepo was fantastic great rate and affordable monthly repayments and no hidden costs the process was so easy Kepo handled everything and nothing was an issue
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Great experience.
Great work by Scott and the 360 team, communication lines excellent, always updated with progress. Would not hesitate to recommend 360, and indeed use them for my next vehicle. Love my Audi.
- Incentivised Review No
Questions & Answers
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? ?
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 Securi...
Read moreties & 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.Get an answer from our members and 360 Finance representatives
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Hi Daniel,
Thanks for the feedback....
Read more Basically, we wouldn't use this service if we weren't satisfied that it is 100% secure. Part of our responsible lending obligations requires us to verify each applicants expenses. To make this process more accurate - and certainly much quicker - we partner with bankstatements.com who provide a service that gathers the information we need and presents it in a way that makes it much easier for us to meet these regulatory obligations. Your usernames and passwords are not retained at any time by the site and there is no possibility of a third party accessing your data. Further information can be found on the service here https://www.bankstatements.com.au/about/security?_ga=2.255338824.1960100334.1650321691-1620839573.1650321691 There are a number of different providers in the market that offer a similar service, but we feel that these guys are the market leader in their technology and security and that's why we're happy to have them on board. If you have any other concerns, we'd be happy to discuss them on 1300 361 360. Thanks again for the feedback. All the best, The 360 Finance Customer Service Team