First Stop Money

Always a catch – As I receive centrelink I'd get my repayments taken out the day I received my centrelink. Came to repaying my second cashstop loan. My bank was an hour late then normal (100am local time) to find cashstop tried to get the money), rang them and asked why when they know Centrelink payments get paid all through the am hours why they could not wait… Read more

till the afternoon to debit my bank account, I rang them and they said its a $40 dishounor fee. I said "no way", they then said that they will reduce it to $20. I explained that they know my income source is Centrelink. I tagged it up as a little muck up and next loan same thing. I see what they do and am staying well away from them.

Still taking out money – This company feels that it is ok to continue to take out money when ever they feel like it out of my account, can not contact them as they do not answer email or phones... they are quick to pull you in but will mess you over so quickly. Will never use this service again .... considering court action

Payment rescheduling due to hardship – Entered into a payment arrangement with the credit managment team leader, she was not only rude , but wanted toknow everything about me,, i advised her of my situation and told her what i could afford and to please call me back in a couple of months to discuss if i could increase my payments, not only did they not call me back they increased my… Read more

payments without my knowledge , they advised that they remember my previous call and that i entered into this agreement and that there was nothing more i could do, they are unprofessional and rude, never again will i use this company , i will ensure that my many friends and family never use them as well. Cant wait to make final payment and be done with them,

Speeding Fast Money – I applied my loan on Saturday... Cause weekend... Once on Monday ,i got approved & got the money on my bank straight... Thanks To [name removed] who called me ,when it funded Easy & fast if nothing wrong on document or details... Its quite expensive to borrow small amount of money in short term & short repayment , but it for emergengy use only... Dun get carry away.. No paperwork or Fax... Expensive for Emergency use Only

Excellent! will do it again – First stop money has been excellent applied for loan on monday gave them my 90 day bank statement and my most recent payslip and received the money in my bank today they are really good. i dont know why people complain about them so much.They are very good. The customer support was helpful and answered everytime i called them :) I will deffinately apply for another loan realiable,very good service,fast and quick payment  Show reply

Awesome – I have used FSM on more than one occasion to get me out of a tight spot. EVERY TIME and I mean every time they have been nothing but courteous, efficient and extremely helpful in getting my loans through - 9 times out of 10 the funds have been in my account BEFORE I got the email saying so - the only time this didn't happen was when I applied on… Read more ·  1

a Thurs - the funds were there on the Monday though. I also have nothing but GREAT things to say about the staff I have dealt with on the phone - they have all been AWESOME & really helpful. My experiences have been all positive & I will continue to use FSM without hesitation whenever I need to. Fast, helpful

Slow + slow – Applied 30/07, Approved 31/07 today 01/08 still no funds.. Have used nimble before and the whole process took 2 hours and received funds on the 3rd hour.. Should have gone back to them..avoid Cashtrain if you need funds quickly. Read all review, they are basically the same. Look elsewhere is my tip friendly staff They blame banks for processing… Read more

times.. This is incorrect!.. Other companies seem to transfer same day without any issued Cashtrain takes 2-3 days

Dreadfull – Don't ever consider using this company they are simply unprofessional and terrible in every way, unorganised an absolute pain to deal with countless phone calls on hold for 15 minutes minimum with inexperienced staff. Just terrible terrible never deal with them ever! I have been strung along for almost 2 days back and forward I've given up there… Read more

are better companys around surely.

Bad staff impossible to contact, get strung along for days at a time, completely hopeless

Terrible service all-round – These guys are owned or run by cash train. Every time I have tried to call them I am constantly on hold, I'm talking 15-20 mins minimum. Any chance they get they will screw you over, particularly with rescheduling so be aware of this! My advice, shop around. You'll end up worse off then you were before with these people! Very, very little Customer service and actual service offered.

Angry – Applied for my second loan with Cash Train as my first loan was supringly fast and easy, and I had the money deposited on the day of claim as advertised on the ad. The second time around I have not been so lucky. Applied on the 4th and have only just recieved a 'deposit' email following phone call after phone call I have made in the passed few… Read more

days. If you're looking for a 'same day' loan, please whatever you do, do not apply through FSM/Cash Train! The customer service skills of all staff situated in the WA call centre is absoloutly disgusting! Never have I ever faced such rude, unhelpful staff members in my life!

I think I spoke to one man by the name of [name removed] whom was at least sincere in his apologies on behalf of Cash Train and explained exactly why it was taking so long instead of rudely, generically telling me (like a robot) the things I already knew! I also had a staff member try their very hardest to spin me the worst excuse I've ever heard, but once caught out they seemed to turn quite nasty! Last time I will be applying for a loan with First Stop Money 'Cash Train' and I will also be telling everyone I know how it's complete and utter rubbish/false advertising that funds will be deposited on the same day.. Being a returning customer I would have thought it would be much quicker. I thought wrong! First Loan was funded on the same day as application Rude customer service, wait time, correspondence

Absolute garbage do not use – Absolutely pathetic... Same day ?? Not even same week.. Would not use this mob ever again and will make sure that none of my friends or family do they are full of [censored word removed].... [censored word removed] crooks avoid these people at all costs try another mob ... This crew will only let you down

The trains slow – After appling for a loan for medical bills for my sons specialist appointments and going through all the processes and email replys this fast 1 to two hour loan took over a week and even know my income is overe 35000 with no other loans was refused refusal aside there comunication is poor there links to there services do not work propaly and leave… Read more

customers waiting no a good site others should concider goig elsewhere if in need of a fast paydayloan.. Seemed conveiniant without all the form faxing etc To mafollow up emails and calls at inapropriate times eg 730pm

avoid, unless you have unlimited patiance – i have been in the "process" of reciving a loan through cash train now for 2 weeks the documentation and e sign forms took over a week to orginize, because every time ii sent the required forms back to them, i heard nothing for a whole day, no replys to emails. i was forced to call them over 30 times in a week!! to let them know i had sent the… Read more

forms through, and every time i did so, the call centre worker was suprised sounding and not up to date on what had been provided, so i was basicly catching them up on the progress of the application!!

eventually i was told the funds would be in my account monday, heard and seen nothing, no funds, and on thursday i recived an email telling me that the wrong bank details were supplied and the money had bounced back

i supplied the proper details thursday morning, and again was assured the funds would be transferred that afternoon, still nothing in my bank, so again i called and was told that the funds were actually being transferred friday between 10 oclock and 12 oclock their time, by 12 oclock am friday night, still nothing. i called my bank (westpac) and was assured there were no pending payments recived, and a transfer would be immidiatly visable i my account apon receiving it from cash train

its now saturday midday, and i have had to borrow money from family members to cover the costs of living in the meantime(i was depending on the money to basicly live for this week) and im so frustrated with this company i could scream. if the money was going to take 1 to 3 days to process then why was i repeatedly assured my the call centre team that it would be a same day process?

if you are looking for prompt service avoid this company, my experiance with them has been nerve wracking, frustrating, tedious and frankly not worth the amount i applied for.

i now am facing the agonizing wait untill tuesday to see any money come through, and if it still hasnt i have no other option but to report this company to the ombussman or asic.

Horrible will not use again! – I had 2 previous loans with first stop money and the money was deposited same day, that was fantastic but today I was approved but told money was not available until next week... Not good enough! They don't even have the funds to supply their customers and you have to chase them up, more [censored word removed] I wouldn't have known the status of… Read more

the deposit unless I called them. It's Friday night and have no funds thanks FSM u r pathetic, use nimble if u need fast cash.

Bad customer service and long waits on phone.. Why is call centre only open for 5 hours!?

Useless – I applied for my loan on Wednesday and was approved Wednesday evening that I had been approved and email would be sent once the funds had been transferred the next day. Well the next day I waited until around 11am and not an ounce of communication from them, so I rang, got thru easily enough, was told that they were having technical difficulties n… Read more

it should be transferred by Thursday evening. Well still no money but I had an email arrive telling me they were sorry for the inconvenience but it would be transferred with the first batch of payments Friday morning. This morning arrived still no funds, rang the call centre, to be told that it would be done at 11am W.A time so at 11.30 W.A time I rang again only told that my payment had been left out of the 1st batch. The consultant was helpful and polite, took my complaint thru to management as expected there was nothing they could do. I'm disgusted with this service.

Am interested to know if everyone who has been messed around by these fools, has eventually ended up with their money or if it's just a well covered scam?

I only went thru cash train cos it was well advertised which made me believe it was legit. Can't believe such a pathetic organisation hasn't been shut down. The consultant [name removed], was polite and helpful The slow service and the other rude n arrogant consultants

Dont do it - find someone else!! – I applied for a "same day," loan along with a whole bunch of other people last week. We received the usual decision logic multiple requests, followed by approval confirmation. 5 days later, still no funds and no-one answering the phones. They are without a doubt the worst financial institution in the country. Multiple complaints started… Read more

appearing on their website all complaining about the same issue (approval with no funds / no-one could reach them). All complaints were removed over night...

Then someone had the [censored word removed] to actually contact me after I emailed them telling them they can remove my post but word of mouth is another alternative. I was accused of swearing which is the reason my post was removed...I did not swear. The other complaints were also free of bad language, yet they were removed.

This company is not even registered with the FS Ombudsman so that in itself is a good reason to stay well away.

They are joke, find someone else!! If you can reach them, the call centre staff a great...Management on the other hand appear to be complete morons! Don't rely on receiving cash the same day, or the next day, or the day after that!

Uncontactable!!!! – I have been approved for a loan but cannot contact this company. The phone drops out everytime, no funds are in my account, live chat doesn't work, emails are unanswered! What is going on? Either I have the loan or I don't! Very, very unprofessional and rude. Just waiting on emails that never arrive re: funds in your account same day. In your account close of business, I don't think so!

Complaint – I applied for a loan they sent me e contract to sign said I would recieve sms 8 digit code never recieved emailed to say did not recieve they said thet would send it again still nothing contract ran out they sent me a new one same thing told to e-sign with sms 8 digit code that was never recieved I finally rang and was told by a nice guy with very… Read more

strong english accent that he would resend Then recieved email to say to sign before contract runs out again Still no 8 digit sms code

So what now

They dont do what they say

Terrible – I don't understand how this company explains how it all works. To me false advertisement. After applying days ago I have had no response no ph call email anything. I've even tried calling left emails and still nothing. When applying it says fast approval and wat not. Instead of applying for a quick loan it's more like getting frustrated at this… Read more

company and it's lack of communication. How is it fair that all us people out there needing a loan thinking it's going to be smooth and simple give all our personal details to cash store putting a lot of time into a meant to be easy process with fast approvals have to be treated like this. Days and days waiting for some sort of communication and nothing at all. Something needs to be done about cash store.

Stay away!! – My partner applied 2 weeks before Christmas. We received countless automated emails asking us to e-sign which we did. Also to login to the decision logic system which we also did. Constantly we did what the automated emails requested then started receiving emails advising our application was going to expire? What the?. Now it has almost been 4… Read more

weeks and yesterday we get an email advising the application has expired...really?

Obviously we tried calling and emailing and using the apparent online live chat which is always offline...pfft

This company should be closed down. The phone numbers are only automated recordings which never answer, I know this because I was stupid enough to hold for 2.15 hours!

Do not bother with this company!

First Stop Money/Cash Train – They are the biggest joke in town. After applying at 9am yesterday and it's now 1pm the following day still no response. Filled out all the paperwork and did the whole decision logic thing with no response. This isn't the first time that this has happened. I tried applying previously and gave up because of the lack of responsiveness by the Customer Care Team and thought I would give them another go. Come on FSM! Pick up your game!

Avoid this Company Like the Plague – CashTrain (FirstStopMoney) basically has Zero level of customer service. I recently obtained my 3rd and final loan from this company, it took exactly one week to be funded, which for these types of loans, well just doesn't cut it! The first two loans, went relatively ok, certainly not funded within hours like most of these type of companies… Read more

advertise, but within reasonable time (a day or so). However, as mentioned, even though you receive multiple emails and SMS from them, particularly stating phone numbers/email addresses to contact with any enquiries. You simply never actually get a hold of anyone. Now, couple this together with them processing payments out of your bank account 2 days earlier than agreed upon (ie: Monday instead of Wednesday) well....that is just not on, but exactly what is happening to me today. The contract and the emails state the payment dates, but they have processed 2 days early, prior to me getting my salary, and have put my account into arrears!! This is an atrocious company, and should be shut down for misleading advertising, breaching their own terms of contract, and absolute Zero Customer Service. It all seems like it is easy and goes well when applying, because it's all automated, then the review of your application...well you don't know how long that is gonna take, could be an hour, could be a couple days....then even when you get an automated email saying your loan has been approved, then you have to wait for an automated email to say it has actually been funded. My last loan with these guys, was approved on a Friday...not funded til the following Tuesday!!! Never Again I did receive the funds i applied for...eventually Zero Customer Service, Can Never Actually Get a hold of anyone Via Phone, Email, Live-Chat

Still waiting – Applied for a loan on 29th dec now 3rd Jan countless phone calls emails....no response....have been a customer for a number of years and never encountered this in the past. Absolutely disgusted...have sent in required docs/ esigned etc. Does anyone even work there?????? Am fed up with trying to reach them.it is costing me money!!!!!! Unable to contact been waiting a week for a response

Absolutely Terrible - Do Not Bother! – This company should be fined for deceptive and misleading conduct. Their TV ads, phone message recordings and website all emphasise that this is a same day service. It is most definitely not. After completing my loan forms and completing the Decision Logic link, it took two days before I received an email asking for further information. I answered… Read more

that immediately and two days later have still received no response. So, all in all four full business days have passed since I applied for a loan and I still haven't received an answer from them. Only people who are in desperate situations and need money within 24 hours (like me) go to these type of 'payday' lenders because of their promise of quick funds. Please don't bother with this lot because by the time they finish processing your application your next payday will have come around!

Furthermore, they do not respond to emails, you cannot get through to them on the phone and if you are lucky enough to reach someone on chat they will give you a standard response of "your application is with our underwriting team and they will contact you via email shortly". When you ask for a time frame they just say that they don't know because they are not in that section and that they are very busy. If it takes them a week to process an application they should not be holding themselves out to consumers as a same day service. Will definitely refer my experience to the ACCC and Ombudsman.

False advertising - not a same day service. Impossible to contact.

Extremely Disappointed – Having read other reviews here i am experiencing the same issues. I applied late friday night. I knew it would not be processed until monday. At first it went well, signed the edocument and decision logic. It is now wednesday and all i want is a yes or no. I have never used cash train before and i never will again. There is no way of… Read more

contacting them...if the number isnt busy each time you ring, you are left on hold until you just give up and hang up or you will get disconnected. Live chst is a joke and i guess they must toss a coin as to whether they will bother replying to your emails. You do not provide a product as advertised on tv and i will be taking this matter to the ombudsman and other appropriate authorities as i believe you are breaching your promises. I have used nimble with no worries ever and i will go back to them.

What is right with it is the question

Does anybody work here?!? – I applied for a loan through them for the second time after I thought they would be easier to deal with the second time. I thought wrong. It had been a week and they have not gotten back to me. It looks like I will not get the money I applied for after I signed my contact. They don't pick up phones. They don't reply to Emails. I don't even… Read more

think anyone works here. If they reply to my review on here. Don't tell me to Email you at your customer care email because you will not reply. I am sick of waiting and not being able to contact you.

I can't contact you!!!

Shocking customer service, extremely disappointing, use NIMBLE.com.au – I received a call to advise me that my loan had been approved and will be transferred within the day or following day (although i was told 4 hours- NAB) yet i did not receive any email advising me that this was the case, how am i to know? Am i supposed to just trust it has been approved with no paper trail? How am i supposed to know when the… Read more

funds will be transferred, do i have to keep checking my bank every few hours?

I was Unable to contact at any stage throughout the day, the phone numbers provided are a joke! I have put the phone down and sat on hold for hours at a time. I hear nothing back despite numerous emails to the customercare@paid.com.au email address independently and through there website.

As a lending company i would have thought they would understand the stress that comes with needing a short term loan and would be there to answer your queries and put your mind at ease. I have used nimble and have found they are amazing and so easy to work with they are also very easy to contact.

FSM i understand you are extremly busy but you need to step your game up or you wont be.

No contact

Terrible customer service – Will never ever deal with these people again - in fact if I could cancel my application I would! I applied for a loan and was guarenteed a response in 1 day - NO response. I rang them -was on hold for 20minutes before giving up. Whilst on hold they tell you go to their website and use live chat. It took me ages to find the link to live chat which… Read more

is hidden at the bottom of the page in really small font. When you do finally find it - everyone is offline so the service is not available. So you contact them via their email on the contact us page.. You very quickly get a reply telling you that this is a no reply email address. How are you supposed to contact them if their phones aren't answered, the live chat is offline and the email address doesn't work?

Still waiting to hear back from them.

Have used other companies in the past - and they are heaps better than these guys.

Really upset – I've been waiting 5 days for my loan,rang them,sent hundreds of emails yet someone still hasn't called me. I'm ment to be a regular customer and waited so long! I need the last email saying it will be in in 3 hours then I'm done but nothing :( I usually love this company nut now I'm thinking otherwise usually really efficient waiting so long and no one contacting me

Can't get through – I applied and sent through documents required via the link. It's been two days haven't heard anything. I tried calling and after 1minute it automatically hangs up on me. I give up. I needed something to tie me over in the weekend asap and I'll try elsewhere. I'm an existing customer and it looks like I'll be going elsewhere.

Avoid! – Never, ever deal with this company. They do nothing as advertised, are never, ever contactable when something goes wrong - which it absolutely will. Avoid like the plague. You have been warned. Worst company i have every dealt with bar none.

daylight robbery – I got a loan through this company once I fully paid it off first stop money kept deducting my bank account to the sum of around 700.00 ,every pay day over two months 100.00 has been taken by deception.there is no way of contacting first stop money which has left me no option but to contact consumer affairs ,my local member of parliamenrt and … Read more

contacting media sources. Has anyone started a CLASS ACTION against first stop money yet??????????

every thing im owed 700.00

Breached contract – First money took out both repayment s from my bank account leaving me with $100 to survive for two weeks until pay day. I called them up and I was advised that it was a system error and my money will be refund back into my account. I'm still waiting for my money being sending them emails and can't get through to them either still no reply back.

What the hell is going on – I am having the same problem cash train does not reply to emails questions phone calls have no idea what is going on terrible customer service for the interest they charge now worried they will take repayment out before i have the money thought they were trying to help with stress not make it worse definitely contacting ombudsmen.

Left in the dark – Applied for a loan 2 November today 12 November still no answer have dealt with first stop before and service was always excellent I am also unable to use decision logic with my bank so I have to upload my documents now it was easier to print and fax communication has become an issue of late Ease Decision logic and communication