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Alpha Finance

Alpha Finance Questions & Answers (page 2 of 2)

3.8 from 401 reviews · View Statistics

40 questions from our users

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
Adam WillisAlpha 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
Adam WillisAlpha 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
Adam WillisAlpha 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

Sha

Shaasked

Hello
I am wanting to down size my car. am I able too?
Ive been in contract for 2.4 years now.

2 answers
Alpha Finance
Nigel SellersAlpha Finance

Hi Sha, I don't see a issue with that at all, may I please have your full name and/or the registration number so I can check into it for you. Thank you Craig Cameron GM Alpha Finance.

Alpha Finance
Nigel SellersAlpha Finance

Hi Sha, please see free to call or email me to discuss as I haven't heard back from you. Thank you Craig Cameron GM Alpha.
craig.cameron@alphafinance.com.au or 0401 218 888. Thank you

Mag2010

Mag2010asked

I did the application 2 weeks ago as my car is old and has just broken down and in need of a lot of work. Since i applied i did everything needed. But im still wanting on you guys. I call every day and i get told that yes all is good with your application and you will get a call by the end of the day. This has been going on every day. Im frustrated as i dont have a car and that i had to rent a car to go to and from work.
I need to know what is going on?

Kon

3 answers
Alpha Finance
Adam WillisAlpha Finance

Hi Kon
I have passed your details onto our GM of Finance, Craig Cameron, and see that he was in contact with you yesterday to look at options to get you over the line in terms of approval for credit. Kind regards
Team Alpha

Mag2010
Mag2010

Unfortunately i havent heard from craig. The only person i spoke to was paul but he is only for nsw and im in vic. I have only been offered one particular car in dandenong. We dont have a car at all and if this keeps being delayed i will have to go tomorrow tuesday and have a look at a very cheap car to buy to at least take me to and from work. Im sick of the 2 and half hour commute on public transport each way. Could i pick a car from a caryard and you guys do the finance? Just cant go on like this.

Mag2010
Mag2010

Can this be resolved urgently please.

Nadia

Nadiaasked

If I leased the car from you people, will I own the car at the end of the contract?

1 answer
Alpha Finance
Nigel SellersAlpha Finance

Hi Nadia, Thank you for your question. in short Yes. Every one of our Alpha Car Finance Clients has within their contract the ability to enable us to transfer the ownership to them at the end of their Lease. You also have the flexibility after 2 years to upgrade your lease. I trust this assists. Kind Regards Craig

Scarlett

Scarlettasked

So do you have to have the insurance & registration with you ?

1 answer
Alpha Finance
Adam WillisAlpha Finance

Hi Scarlett,
Thanks for the question and a good one at that. Our car leasing program does include vehicle registration, CTP and Comprehensive motor vehicle insurance bundled into the fixed repayment amounts. Our customers find this a really positive offering because it allows them to have a good handle on their household/personal budget. It takes away the hassles of large annual or half yearly bills, and having to keep track of a range of different cost charges. When Christmas, school holidays and birthdays come along our customers don't have the hassle of managing extra bills because Alpha Car Finance has these significant annual vehicle expenses covered.

annoyed

annoyedasked

what bigger family vehicles (not sedan) or 7/8 seater cars are available for upgrade this week??? i have been waiting for months for my upgrade i was promised and i get told that theres nothing on stock?????? when i signed with melbourne they didnt have a car in stock so they drove one down from queensland??????...im getting fed up......
i wrote a great review re-adjusted it for alpha and still getting the run around playing the waiting game while i sit in this dead end contract....
there are loop holes in the contract that my solicitor has advised.. so i may be taking my loyalty and money elsewhere....!!!!!!!!!!!!!!!!!

1 answer
Alpha Finance
Adam WillisAlpha Finance

Hi Annoyed,
Can you please provide me your details to marketing@alphacompanies.com.au along with the outline of your complaint. Once I have these I can pass it on to the correct person for investigation.
Alpha prides itself on great customer service and retention and will be in contact with you as soon as we have more information.
Kind regards
Jacqui Miller
Group Marketing Manager

Farley

Farleyasked

I've just started doing foster care with my wife and our kids looking for a Toyota hiace 11 seats credit history is crap can u help us out or I'm i wasting my time we both work?

1 answer
Alpha Finance
Adam WillisAlpha Finance

Hi,
We do try and assist everyone from all different situations.
If you can complete the application form on our website www.alphacarfinance.com.au , one of our service agents can guide your through the process and see if there is an opportunity for us to assist you.
Thank you for your enquiry.
Kind regards
Jacqui Miller

FuzWah

FuzWahasked

Why is it everytime you ring the number for alpha the phone rings but when you pick the dept you want as soon as they go to answer they hang up on you...All I want to do is find out how my application is going?

Thanks Karen Osborne

3 answers
Alpha Finance
Adam WillisAlpha Finance

Hi Karen,
We have not had any other complaints so not sure what happened here.
All of our numbers have been checked and seem to be working perfectly.
Our applications team have been notified.
Kind regards

Jay
Jay

Extremly sneaky company. I was approved for a higher amount and spoke with Craig and was hung up on and mucked around. Nothing made sence and this company are just all about greed. Do not buy a car from them. They are nothing but a pack of liars

No happy Jan
No happy Jan

BEWARE they suck you in get you into big Debts and spit you out i would not reccomend this company to anyone... !!!

FuzWah

FuzWahasked

I have applied for finance through alpha and am still waiting on a decission. Well I am sending this email as I have found a car I really like through a car dealer and was wondering if approved will I have to get a car through Alpha or can I get the car I have found

9 answers
Matty317
Matty317

Hi FuzWah,
Alpha finance provide you the car. It is based on your approval amount. They have a list of cars on their website.

FuzWah
FuzWah

Thanks

Caiden63
Caiden63

What ever you do do not get a car from them ever

LittleJohn Wikaire

LittleJohn Wikaireasked

Hi, if approved for a car loan through Alpha do you have to buy a car off them? Or can you purchase a car through someone else? Thanks!

2 answers
Alpha Finance
Nigel SellersAlpha Finance

Thank you for your question. We offer both services. You can select a vehicle from our extensive range or subject to approval select a vehicle of your choice. Please feel free to email me direct for more details @ craig.cameron@alpha Companies.com.au

Thanks for the reply, I'll do that thanks, LJ

Toombs

Toombsasked

Hi iv done a application and have been pre approved over the phone then sent bank statements and was called to say i was pre-approved again and told i needed to be affordability tested and sent employment stuff then told they would let me know the out come i thought u were told same day and why so many pre-approved
As im confused. Any help?

5 answers
Alpha Finance
Adam WillisAlpha Finance

Hi,
is Toombs your application name? I will need this to check the status of your application.
Kind regards
Jacqui

Toombs
Toombs

Fatuma kuloba

Toombs
Toombs

Fatuma kuloba

Sam

Samasked

Hi I am currently with alpha, have been for 2 years I am wondering if I can upgrade my Nissan micro for a larger vehicle as i have unfortunately outgrown mine? When I picked this car up they did mention after two years that this was a possibility? Thanks

1 answer
Alpha Finance
Nigel SellersAlpha Finance

Yes. Thank you for your question. Please contact us at your convenience .

Nay

Nayasked

Is alpha finance good to go with?

4 answers
Alpha Finance
Nigel SellersAlpha Finance

Alpha Car Finance says yes when others say no!. We specialise in helping many Australians who have been ignored or cannot secure a quality near new vehicle through traditional banks and financial institutions.

Mary Ann
Mary Ann

Make sure you ask for Craig he is the man to talk to he is brilliant and he makes sure you get exactly what you need within your budged plan he is honest reliable and always gets back to you as soon as he can, Craig is the most experienced and explains everything in detail very clearly and promptly your safe and in good hands the show rooms could do with a spruce up other than that "NO COMPLAINTS"
Mary Ann Boyle Donnachie

Nay
Nay

Thank you so much mary anne is craig at the melbourne branch : )

Jas

Jasasked

I'm concerned as I was looking at getting a car through them but these reviews are concerning! Any ideas?

3 answers
Kanav
Kanav

I would recommend not to go ahead with Alpha.They are a total rip off.I would suggest tat you try getting a car loan through a bank or a legitimate finance company.Alpha tries to make it look like a finance but basically they put clients on a lease to own plan where you will end up paying three times more for the car and wont even own it at the end ,

Alpha Finance
Adam WillisAlpha Finance

Hi Jas,
We specialise in helping people in the credit challenged market so if you are able to get 1st tier lenders to assist you with your finance we would encourage that.

If you are unable to access this type of finance give us a call so we can explain how our product works and then you can choose if it will suit your needs. We are not here to rip anyone off and the previous comment is from someone who has not even used our service and keeps posting negative things about our company. We do not know why.

If we can assist you in anyway give us a call and do your research.

thanks and good luck

Jacqui
Group Marketing Manager

Cheryl
Cheryl

Keep in mind that servicing, registration and insurance is covered with Alpha throughout the duration of your contract. Yes, you do pay more for your car but my girlfriend just bought a car through Kia Finance versus mine through Alpha. I end up paying $4,000 more over the duration of my contract than her but her insurance, registration and insurance is not included in her repayments. My contract is also 5 years with Alpha, hers is 7 years and I pay $20 more per week than her. If you do the math, it's really not that different. Alpha make their money leasing it out as a rental before they move to the finance part, of course they are making a lot of money off its customers however I have a late 2015 SUV which I end up paying $48,000 for at the end, assuming I had the cash and I bought this car from a dealer now, I would still be paying around $35,000. $13,000 different and I'm pretty sure I'd come close to getting my monies worth in services, insurance and registration. Think about it and weigh up the options, it's not as bad as it seems. People just see the end amount on their contract and freak out without doing the math!!

Prathap Giri

Prathap Giriasked

Has anyone taken any legal action or what are one's avenues to get out of this contract?

6 answers
alycat76
alycat76

I think all of us who have fell into there trap need to seek legal advise and take them to court! nothing but filthy scam artists!

Mrcool
Mrcool

can you contact me prat hap girl, i am in the process now, can you please send details

Nigel
Nigel

Alpha has been in business for 10years and is proud to assist over 150,000 Australians a year with our products and service.
When a client has an issue with our service we have an Internal Dispute Resolution Process and if we cannot resolve the issue amicably (which is very rare) we have an External Dispute Resolution Process through the Credit and Investment Ombudsman. Within the Alpha Car Finance business EVERY client has the option to upgrade, downgrade and/or exercise the option to own within their lease to own car finance product. It is important to note that Alpha's fixed weekly or fortnightly repayments include the Car, Registration and Comprehensive Insurance and financing for the full term. We have many, many happy and satisfied customers whom have completed their leases and opted for the transfer of ownership option and why not as they then have an asset in their driveway! For these many happy clients we're extremely proud that we've been able to assist them.

Robinhood

Robinhoodasked

I was planning to get a car loan from alpha car finance but base on what I saw on the reviews it has totally changed my mind. Any advise to me people? Should I take it or not?

10 answers
Rabsy
Rabsy

If you cannot get a car anywhere else and dont mind paying 5 times the amount the car is worth, then go for it

Robinhood
Robinhood

Thank you brother,,could you please tell me about you experienced with alpha car finance?

No happy Jan
No happy Jan

if you are on time and good with weekly payment and yes are committed to paying off a big car loan then i dont see any problems . But just look into there late fees, dishounor fees penalties cause that is were they get you and it does build up quickly into arrea which they can be very demanding that you pay up, they ring you 2-3 times a day , email you to contact them Urgently to avoid further action and it can be very stress full. As i am only going by my experience as i am just leasing my veichle and it has prob been immobilized more than the times i get to drive it and thats only because i have missed a payment talking to them is a waste of time as they dont consider your circumstance so they immobilize it without even letting you know, they even threat to reposess your car if you dont make a payment or if they dont hear from you by a certain time.As they go through so many new staff all the time you have to explain your payment agreements all the time as they sometimes dont record your payment plan agreement into your file . Yes i do regret leasing my car from them but i am just going to hang out for another year then opt out of my lease earlier as i just dont want to deal with unprofessional , rude, demanding company. May be have a look around at other financial companys first before you decide on Alpha .. I hope my answer gave you a bit of info that you were after... Good Luck shop wisely

Very unhappy customer

Very unhappy customerasked

Getting a rent to own car from them tomorrow.. is it a good or bad idea??? Now im worried

2 answers
Mrcool
Mrcool

mate contact me asap

Nigel
Nigel

Alpha has been in business for 10years and is proud to assist over 150,000 Australians a year with our products and service.
When a client has an issue with our service we have an Internal Dispute Resolution Process and if we cannot resolve the issue amicably (which is very rare) we have an External Dispute Resolution Process through the Credit and Investment Ombudsman. Within the Alpha Car Finance business EVERY client has the option to upgrade, downgrade and/or exercise the option to own within their lease to own car finance product. It is important to note that Alpha's fixed weekly or fortnightly repayments include the Car, Registration and Comprehensive Insurance and financing for the full term. We have many, many happy and satisfied customers whom have completed their leases and opted for the transfer of ownership option and why not as they then have an asset in their driveway! For these many happy clients we're extremely proud that we've been able to assist them.

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