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Alpha Finance

Alpha Finance Questions & Answers

3.8 from 391 reviews

36 questions from our users

Carly

Carlyasked

I'm wanting to upgrade my car as it is no longer suited to my lifestyle. How can I do this?

1 answer
george
george

you can do that by contacting Alpha

Melissa H.

Melissa H.asked

Hi I was wanting to know what happens if the car is written off in an accident? I understand the vehicle would be insured for both myself and someone else if I am at fault. BUT what happens if it is a write off half way through the contract? Do you get a new car? Does the contract end? What happens to the payments. Please reply thank you

1 answer
Carly
Carly

You need to call them, but be prepared to either have to hire another car or put up with no car for months on end

Pat

Patasked

I have been renting a vehicle for $199 a week for the past 5 months, up to date with payments and the car is now due for a service. Who is responsible for service?..Called Alpha finance and they have no idea. Zzzz

1 answer
petermangion
petermangion

You are responsible for all services to the vehicle under a lease its in your contact but if its just being rented/hired and not Under a lease they are.

Losa L.

Losa L.asked

What happens when my vehicle has been repossessed? What are my options or what happens now?

3 answers
Alpha Finance
Matt A.Alpha Finance

We value all feedback and welcome the opportunity to discuss the specific details of any matter. It’s best to always communicate with us if you are having trouble repaying so we can come up with a plan together. We will work with you in a fair, ethical and moral manner to resolve the issue. Please feel free to contact your account manager on 1300 257 426 to determine your options.

Doesnt matter
Doesnt matter

Losa L . How was your car repossessed? Did they send a sleezy guy in a silver car to stalk you and your house , with dark tinted windows that wound the window up when you stop to ask him if hes ok and only wound it down 2 inches after asking him a second time, this was after being caught taking photos!! And then have that same guy caught on cctv walking up the road then sneaking up your driveway whilst your sitting out front at 9.15 am and scrapping the front of the car on the driveway as reversing out quickly? Then not returning calls or emails after you have reported the car stolen to police? Not giving a damn about personal belongings in the car , like baby carseats etc, all this after no contact since 09/2017... as for their answer on your question to contact your account manager , pffft i had about 5 different ones in a short amount of time, there is no compassion, fair , ethical or moral manner from [name removed], in fact does he even still work there as emails sent to him had been returned , and [name removed], my suggestion to you is get out of this company really quick before you loose your compassion, fair, ethical or moral manner .... so Losa L take your matter further and dont give in to their bullying...

savvas M.
savvas M.

We will work with you in a fair ethical and moral manner... Make sure you know your rights, make sure you know your rights as they are rude ignorant and don’t give a crap about you, take it as far as you can,

El F.

El F.asked

how would one go to break the lease? Been offered a job overseas and am seriously considering it.. Thnx

6 answers
Simon
Simon

I would be very careful how you word this to them. I also don't like you're chances. Money hungry grubs likes this company lock you in to these contracts so you can't get out of them without destroying your credit rating. I recommend calling the finance ombudsman first mate and seeing what your rights are.

Easy say you can’t afford the payments they then will immobilise your car come pick it up( because the car is in there name and it’s insured under them) and then you might get a default on your file, which at first might harm your credit rating, but if your overseas it doesn’t matter plus these days defaults and marks on your credit file don’t matter you can pay people to remove them, plus they didnt give you money they gave you a busted up car an ex-rental, that’s what I would have done., if they say to me we will immobilise the car I say, sure why not come and collect it as well.

Probably won't seeing as they put there payments up....
When I first applied for the car which I wish I didn't do, the Lady at Tullamarine said to me, if I wanted to cancel my contract after 1 year the total I would be looking at repaying will be around 15,000...crap I know....I've had my car coming up 3 years now, when I asked how much it will cost me to cancel my contract they told me 16,000 I would have to pay???? Don't know how it got to that price when a car value goes down not up???
Go to the ombudsmen.. because I'm thinking of doing the same

Hev L.

Hev L.asked

Hi. I recently got a vehicle from your guys...2 weeks ago actually. It was smashed into by another driver, car was legally parked in front of my home.
What happens if the car is declared a write off? Do I get another car? To similar value of the one I first had?
Thanks
Hev

6 answers
Alpha Finance
Matt A.Alpha Finance

This is very similar to any insurance situation. Your contract includes an excess of $2,500. If deemed by our insurer that the other party was at fault you may be entitled to receive $1,000 back. Alpha Finance endeavours to process the accident claim as efficiently and effectively as possible but there could be a delay of up to 13 weeks.

Should the vehicle be written off and the damage covers the value of the vehicle, we would need to enter into a new agreement with you for a replacement vehicle. For more information please call our claims team on 1300 257 426.

Simon
Simon

There a bunch of lieing manipulative dogs ae mate.GO to finance ombudsman mate and also get a lawyer that's what I'm in the process of doing.

We all need to go to the ombudsmen together a do an official Complaint...it's nonsense how you still have to pay, then they say they will give u a little money back!!!

Lewis

Lewisasked

Just wanting to know is the vehicle under your name with qld transport so if i get pulled over by the police and they ask whos car it is am i saying mine or alpha and i want to know when my rego is due how so i find out that?

No answers
Julie

Julieasked

Hi I was wanting to know what happens if the car is written off in an accident? I understand the vehicle would be insured for both myself and someone else if I am at fault. BUT what happens if it is a write off half way through the contract? Do you get a new car? Does the contract end? What happens to the payments. Please reply thank you

No answers
Sam R

Sam Rasked

Hi There, i have few questions to ask you and would really appreciate if you could answer all of them one by one.
1. What is your interest rate?
2. Does your vehicles comes with 90 days dealers warranty? If so, will you be fixing any issue within the time frame irrespective of how big or small it is?
3. Does your vehicles have manufacturer's warranty on them like hyundai offers 5years unlimited warranty? As per my knowledge inorder to have manufacturer's warranty, vehicle needs to be serviced according to manufacturer's recomendations, are your vehicles serviced accordingly.
4. Will the vehicle registration be transfered to my name at the end of 5 years term.

Hope to get answers to these question.

Thanks.

2 answers
Simon
Simon

This company offers no warranty mate, servicing has to be done bye yourself and paid for bye yourself and at the end of the contract mate you have a balloon payment you have to make to keep the vehicle.. All in all mate.. You won't win with alpha.. These people pray on people with not so good credit mate and lock them in to a contract that will bury you should you not keep up with the contract.. My advice.. Stay the away from these people bro they are trouble

Betty A.
Betty A.

omg i know now im going through this

gazza

gazzaasked

anybody ever had to hand a vehicle back ??from loosing their job and not being able to afford it??what happened after handing it back

4 answers
Alpha Finance
Matt A.Alpha Finance

Good morning Gazza,
That is a great question,thank you. I would be more than happy to discuss your current situation, answer any questions you have and explore options that may assist you while you get back on track. Please call 1300 25 74 26 and ask for Richard, Senior Credit Manager.

Tim C
Tim C

Ive had the worst experience with Alpha after having a accident in the car i was renting to buy, not at fault at all as i was rear ended at a train crossing.
since then i had car repaired etc, lost my job due to no car and couldnt afford repayments at that time.
they took back car and now i have found out today i owe $41000 for a car i no longer have in my possession.
No compassion, as soon as i missed the payment after accident they had started their crap.
Crooks!!

gazza
gazza

thats not good

Brett s

Brett sasked

With alpha finance at the end of the contract, do you get to keep the car?

2 answers
Rebecca S
Rebecca S

You get an opportunity to purchase the car from the company.

Alpha Finance
Matt A.Alpha Finance

Hi Brett, to answer your question, all Alpha Car Finance customers have the opportunity to own their car outright. In most instances, customers just need to let us know that is what they want to do, and then continue to pay the same repayment amount for the next 13 weeks/3months. At the end of this period, we will sign over the registration and the car is yours to keep driving or to sell and upgrade to your next Alpha Car Finance contract

Nmf

Nmfasked

Am I able too swap my car for a bigger suv /mini van please as I do home care it’s really had to shove a walker or scooter in a tiny micra

No answers
cha cha

cha chaasked

If I have a medical cert for driving now and I have lost my opens due to health issues in past months and hardly use the car now probably 2 times a fortnight that's it my hubby just runs the car. I am 3 years into my contract how do I get out of this please?

1 answer
Alpha Finance
Nigel SellersAlpha Finance

Please feel free to email us directly at nigel@alphacompanies.com.au so we can assess your specific case.

darwincroc

darwincrocasked

I was wondering if you can upgrade and what the process is? tried to ask the question on the online chat, no reply, tried emailing, no reply

1 answer
Alpha Finance
Matt A.Alpha Finance

Yes, upgrades are available to all customers who have been paying regularly for the first 24 months. The process can be started quickly over the phone, but will require your latest financial details as we will need to make sure we upgrade you into something you can afford. Please call us on 1300 25 74 26 .. we are here for another hour - or call in the morning and one of our finance specialists will be able to help. Happy driving!

Sarah

Sarahasked

Do i have to take one of your cars or can i pick something else ?
Do we have to have rego and insurance with you or can we get our own ?

4 answers
Alpha Finance
Nigel SellersAlpha Finance

Thank you for your question. Once approved you have the choice of one of our vehicles or we can assist you choose your own. Our fixed weekly or fortnightly repayments include the financing of the vehicle, registration and insurance.

Alpha Finance
Matt A.Alpha Finance

Hi Sarah, here is a bit moe details
When it comes to the car under finance we have a range of late model vehicles currently in stock and ready to go - with upfront deposits of $290 or $490. You can check them out here https://www.alphafinance.com.au/car-finance/vehicles. This week the list totals more than 700. However, if you have another car in mind, that is not on our list then we do have a Choose-Your-Own model.In this instance you can tell us the make and model (and colour) you are looking for and we will try to source one for you. We do have some restrictions though - the vehicle must 2014 or newer, with low kms (under 100,000). We also exclude turbo engines and European/exotic cars. The upfront deposit of this model is $990

Rod Ellis
Rod Ellis

I tried to go with choose you own car,but they pushed me into one of their own cars which was owned by Avis,you really don’t get a choice until after you have been with them for 24 months. I have a change in jobs where I will require more driving and I asked Jon Hui,even though I have had the car for 12 months and all my payments are up to date, I asked Jon if I would be able to upgrade to a bigger Vehicle and he told me that it shouldn't be a problem, but when I started asking about the change, I got told that I had to wait 24 months, a total back flip on what he originally said and I still have the email he sent saying that and I have found none of their departments return e-mails, even when you change bank details, but they contact you real quick if you miss a payment and even if it is their fault as they don't check e-mails or respond to them even when you ask them to.They are very poor in the communication area and do not promise what they say!!!!!!

Jtam

Jtamasked

Hi,
We have put a application in three weeks ago and no one has called us back..
We have rang numerous times and keep getting told its with the credit team.. I am confused can someone please contact us?

1 answer
Alpha Finance
Matt A.Alpha Finance

Hi Jason,
I believe our Credit Team Leader has called you not long ago to further your application. Should you need any further assistance please let me know. Jacqueline.

Fiona

Fionaasked

I am struggling with my payments and my accountant handler changes every week. Is there a financial hardship support team ? Am I able to swap for a smaller vehicle or cheaper one as I'm afraid I can no longer afford these repayments !
Please help !

5 answers
Alpha Finance
Matt A.Alpha Finance

HI Fiona, absolutely we can help you. Can you please email me at marketing@alpahcompanies.com.au with your full and name and best phone number to call and someone will contact you today. Kind regards, Team Alpha

Shazza
Shazza

Yup - I have been getting the run around for weeks with a temporary financial hardship application, and constant account manager changes & no one ever reads notes. No compassion as they keep threatening to repossess my car, and the "financial hardship manager" refused to give me information on how to lodge a complaint with their head office. So I have had to lodge one externally.

Simon
Simon

Go to finance ombudsman guys then get lawyer..

meg

megasked

Hi my partner and I have only been with alpha since September and can't use or the car it was perfect of our family of 3.... Now we will consist of a family of 6 YES we are pregnant with Triplets!! We have a Hyundai i30 and now for a family of 6 soon to be happing 14 weeks I am this little sporty car will not be ideal. Our 2 year old daughter's stroller just fits in and I won't be able to fit my family anymore.. so my question is can you upgrade with alpha. We really hope we can resolve this as we don't want to be stuck paying a car for 4 years which we cannot drive.

Looking forward to your response

1 answer
Alpha Finance
Matt A.Alpha Finance

Hi Meg
Congratulations! What wonderful news - our very best wishes to you and your family. Yes, of course, we can help customers transfer across vehicles when life circumstances change - and yours will change in a big way. Depending on previous payment history and your current financial position we can look at the range of options available in our fleet, from family cars and SUVs to people movers. To get an idea of what the weekly repayments (including insurance and registration) will be, check out the options currently available online at https://www.alphafinance.com.au/car-finance/vehicles. And then jump on the phone and give us a call at 1300 24 75 26, explaining you are our an existing customer looking to upgrade your car, and our team will work with you to find the best option for your family.
Kind regards and we wish you a safe and healthy 14 weeks.
Team Alpha

Graham87

Graham87asked

The vehicles come with included insurance. I notice there is a $2500 excess on the insurance.Sounds very steep. If the vehicle is written off in an accident is the customer still responsible for payments to the end of their contract ?

1 answer
Alpha Finance
Nigel SellersAlpha Finance

Good Morning
Thank you for your question. Yes ALL our Alpha Finance vehicles include registration and comprehensive Insurance for the full term. There is an Excess that relates to our Comprehensive Insurance policy and the excess depends on whom is at fault. IF/When a 3rd party is and confirms they are 100% at fault then the excess is $250.00. IF/When the accident is 100% the fault of one of our Lease clients then the excess of $2500.00 applies and will cover any repairs for our vehicle and any other 3rd party vehicle repairs. As always we would be happy to set up a call to discuss any further or specific questions you may have at your convenience.
Kind Regards
Alpha Finance

annoyed

annoyedasked

I cant afford my repayments at the price it is at the moment the car has very high kms its already sounding funny have had probles with breaks off and on even after beeing fixed. And im paying $100 more than the price for 2012 model which has recently been drastically dropped in price weeks after signing into contract.. I still need a big vehcle but im starting to struggle with repayments is there a way I can enter a new contract "Roll over" for a similar car with a lower price please....?

1 answer
Alpha Finance
Matt A.Alpha Finance

Thanks for your question. As always we want to try and help all our customers. Can you please email me at marketing@alphacompanies.com.au with your name and best contact phone number and our account team will call you back within 24 hours. Take care Tracey, Head of Marketing, Alpha Companies

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