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!
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
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
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...
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...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.
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 ...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....
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 :))
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.
- Verified customer
Tim was excellent, highly recommend dealing with him
I can not recommend Tim high enough, he was helpful friendly and got back to me in a timely manner, he really went out of his way to accomodate my needs and got it done quickly. I will note some of the other staff not quite so nice, I would not recommend calling on a Saturday. The other thing I will mention is that delays aren’t always the finance companies fault, sometimes the dealer is very slow to provide documentation - it doesn’t hurt to follow up on delays, you may be able to speed the process up. All in all highly recommend Tim for all your financial ance needs - they can also help with all insurance and warranty as well, really took the hassle off having to chase after it myself - and it all came in cheaper than the dealer!
Tim is fantastic, request him for any loan
I can not recommend Tim high enough, he was helpful friendly and got back to me in a timely manner, he really went out of his way to accomodate my needs and got it done quickly. I will note some of the other staff not quite so nice, I would not recommend calling on a Saturday. The other thing I will mention is that delays aren’t always the finance companies fault, sometimes the dealer is very slow to provide documentation - it doesn’t hurt to follow up on delays, you may be able to speed the process up. All in all highly recommend Tim for all your financial needs - they can also help with all insurance and warranty as well, really took the hassle off having to chase after it myself - and it all came in cheaper than the dealer!
Awful Customer Service
Avoid dealing with Simona, she doesn't respond to message and has a bad attitude. The experience was extremely poor, I asked to withdraw my application as I had been approved quicker elsewhere and due to this declined it (rather then withdrawing it). I am reporting them to the ombudsman as I don't believe that they acted ethically.
Awful follow up experience
I had a great call on my initial enquiry for a car loan. I was surprised at how much personal information was required in order to obtain an interest rate quote based upon the information I gave. In the follow up email I was annoyed to discover that the company would not proceed any further with giving me a quote without obtaining my drivers licence and 2 payslips. I advised by email and by phone on a follow up call that I did not see the need for that sort of detail just to find out what my interest rate might be and from which lender. I fe...lt I have already given enough information and am happy to provide this detail once I am given the information I want. The email stated this is required for a pre-approval. I am only wanting to enquire what my rate will be before making a decision on which lender to go through. To be told this is how they do it and there is no other way, I find deceptive and misleading from the ad on carsales which says enquire now.. quite different to this is a pre-approval. Unhappy with this service and how the team leader handled my feedback.
The customer service we received from Nicole Evans was exemplary, we could not fault her.
A very impressive consultant and a true asset to 360 Finance, Queensland.
In the current times of off shore call centres and lack of personal service, it was very refreshing to deal with a consultant of her calibre.
Terrible Experience with 360 Finance
The customer service on the 1st call was excellent - thank you [name removed]. However when it proceeded to the next level, i was surprised how a loan can be declined for a silly reason as "Your Contract document has an end date to it" With the same documents, condition and criteria i got an approval from another broker and finance company. It is the broker's responsibility depending on the customer situation which lender to present the profile to and before submitting the application, do all checks. A credit score impact of a client due to incorrect assessment is not acceptable. You guys should improve your process on shortlisting a Finance company and be 100% sure before submitting the application.
I couldnt ask for better services
Fantastic service, from my first call the staff have been amazing to deal with.
It was an extremely easy and an extremely pleasant experience in what is usually a daunting task.
Dylan my consultant was most definitely professional and quick to response to all of my questions. THANK YOU THANK YOU THANK YOU
- Verified customer
Absolutely perfect! Can’t fault these guys at all
360 finance recently helped me out with my first loan to purchase a car and I could not be happier. They were extremely quick with finding me the most suitable and cost effective loan especially being an apprentice. Alex is a legend, he helped me out every step of the way and was happy to answer all the questions i had as this was my first loan, these guys are extremely helpful and I definitely wouldn’t recommend anyone else except for the team at 360 Finance.
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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? ?
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;
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