Latitude

Predatory lending behaviour. Was with this company for a few years. Needed a replacement washing machine and the retailer was able to arrange a plan for it. Paid it off, then made a few more necessary purchases over the next two years as Latitude has arrangements with many electrical and electronic retailers. Took a long time to pay them off… Read more

because Latitude, unlike most other lendors, treats your monthly balance, including a $10.95 monthly "service fee", as a seperate balance. If you've not paid your monthly balance, you cant pay plan installments.

And to boot, Latitude doesn't allow debit card transfers either. Your two online options are slow bank transfer or slow bpay. If your account is in arrears, you might only be allowed bpay. So by the time the money clears and things update on Latitude's end, it can take up to 7 business days. Longer if there's public holidays. The whole system is set up to keep you, the customer, on their credit hamster wheel.

My advice would be to avoid them. If you have to have credit, look at something like Zip Pay or Zip Money.

I applied to have an increase on my credit limit. The new repayment amount come in at $120 per month. I’m currently paying $250 and have consistently for 20 years through Creditline/Lattitude. Between myself and my partner we’re on just under $250k… Read more

a year and the only debt we have is our mortgage which is small. I asked for a reason for the decline and they couldn’t give me a reason. This place is a joke and by the looks of the reviews I’m not the only one who thinks so. Steer clear people.

They advertised an interest free credit card for purchases for 9 months. I’ve made all the minimum repayments before time. But they started charging 13% interest on all the purchases made from the 3rd month. I called them twice and spoke with them… Read more

and confirmed about my plan and the 9 months interest free period before I activated the credit card. They are running a scam. Don’t touch their filthy products, you’d regret later.

Totally scam, year ago my original purchase was $635, I already paid more that $789, credit card fee and billed finance charge $231 and when i contact them and ask for my remaining balance, becoz I just want double check and after that close my… Read more

account but they said I have to pay $1206.80 than I can request for cancel the account, don't know what to do, already spent too much time over the phone but they didn't give any write information, how can I have to pay that much money if I already paid original purchase and as well their account keeping fee and other charges as well, may be so many hidden charges but customer service is very poor they can't even explain me properly, very bad experience, not recommend to anyone

I’ve had a latitude credit card for the past 5 months, recently switched over to a larger card with Latitude. It’s been a great option for me to build my credit score, as with no credit history and low income most banks won’t approve you. I started with a $1k card now using a $2k card, got approved for much more, but it’s important to know what… Read more ·  1

you can pay. It seems like most people here don’t actually take the time to read through terms & conditions, or understand how credit works. Like, if you don’t manage your money well I don’t think you should take it out on the company lol I pay in full every month, I never use more than 30% of the cards value in one statement period, I get digital statements. I’m now on their lower 10% card, and have no annual fees for a year. When I switched over, it was super easy, and when I called their office support was there. I also use ClearScore to keep track of my score. It beats using companies like PayPal’s pay in 4 or AfterPay (which are credit, people!), because I can pay off my balance at any time and easily keep track of what I’ve spent. Just don’t use credit cards as an extension to your income, rather treat it as a loan you pay back in a month, and you should be good. Or, get on a lower rate card and plan out when you’ll pay it, so you don’t get stung with too much interest. just my piece!

Latitude a great company – I have a gem visa from latitude and have had a great experience whole process was quick and no hidden charges i have also paid my card in full a couple of times and never been charged an early payout fee so im very satisfied

Motorbike loan – I would personally recommend Latitude customers services no hidden costs excellent rate Latitude financial 100% they go the extra mile they back you even when others have doubts in your financial ability

I have received the statement of account with wrong insterest charged inspite of telling the representatives over the phone to close my account. My account was in credit of $28.24 few months ago and I didn't used the credit card since then. They didn't close the account,however, imposed wrong interest on my account which is ridiculous, they are… Read more

now harrassing me for no reason, I told them many times to close my account as there are no benefits to keep this cedit card, however, it was just a hassle to keep it. I wish there was negative star option available to give them negative review

Would give 0 stars if possible. This company is so dishonest and are litteraly breaking the law in Australia. They randomly said there was fraudulent activity days after I received my card in the mail and no activity had yet occurred. They then asked to confirm my identity for a second time, this time using biometric face scan. I refused and… Read more

said I would like to close the account and 3 separate people told me I could not close the account without a face scan. Once I pushed back and said that they are not allowed to do that, they eventually closed the account. It was a lot of frustration and time wasted. During the process they contradicted them selves multiple times, were rude and unhelpful. They refused to disclose to me what the suspicion of fraudulent activity was, what they were going to do with my biometric data, who would have access to it, how and where it would be stored and for how long. They refused to send me an email with anything in writing saying they can not send any emails until I submit my biometrics. Yet they were constantly email me about my account and eventually emailed me confirming the closure. They even tried mocking and shaming me into doing the face scan on my phone acting like it was not a big deal, they mis-represented the procedure and were only focused on getting me to do the scan. They are clearly not trustworthy DO NOT send them your valuable biometric data!

Gem Visa card I got one I tried to make a payment it didn't show up on my bank account pending status. I figured something went wrong I tried again 4 times. I contacted thier customer support very rude are serving several customers at once won't give you a straight answer talk you in circles and you get no where, rang the customer service line no… Read more

difference no straight answer except that I will be getting dishonor fees on 4 payments of $50 because I was trying to do the right thing even after I explained what went wrong they would not remove the 4 payments that they had not even sent to the bank apparently they charge the banks every 6 days. Lattitude finance is a rip off company that will do whatever it takes to make sure you get heaps of fees and it costs you heaps stay away even if you're desperate you will end up wishing you never dealt with Lattitude finance

It should ZERO for a rating WTH I am so sick of calling and getting someone in India sitting on the toilet trying to handle my call. Useless why has everything gone overseas I haven't used my card in 2 years it's been sitting in the draw but seem to be getting scammed regularly. It's probably one of those useless call center people that hang up on… Read more

me. It used to be a great card and provide a good service within Australia. But now it's all about fees and scams. Get your act together when a customer asks to speak to someone in Australia they should be allowed to not be interrogated by someone in an Indian call centre.

Worst company on the planet, and it’s a shame I can’t go below 1 star. They will do what they can to milk every dollar from you with hidden fees, charges and interest. Also they won’t tell you but if you offer to pay out something early but not the interest they will put a black mark against you which stays on your credit report for 5-7 years. Latitude is the worst of the worst never deal with them the parasites.

If I could write 0 stars I would. Latitude wrongly charged me over 20x my monthly repayment for my credit card. I am talking thousands of dollars. The money was refunded, but they have no understanding of why it happened. The customer service is the worst I have ever experienced in my life, you are talking to an overseas team that can do nothing to help. Save yourself the worry, and the stress and do not go anywhere near this company.

This Latitude "Financial provider" has to be shut down by authorities ASAP. Terrible service. Excessive and hidden fees. Misleading marketing and Terms and Conditions. Nearly criminal organisation.

It’s sounds great….instant credit with a small $10.95 monthly fee! BUT that $10.95 is charged monthly even if you have zero balance. There are cheaper alternatives out there or just use it for a one-off purchase then cancel it.

For a financial institution, the lack of customer support is really concerning. When you’re dealing with credit products and high interest rates, customers should at least be able to speak to someone or receive a response to emails. Overall the experience has been disappointing and I would not recommend them based on the difficulty in getting support when you actually need it.

Terrible experience with this company. 1. When they moved from credit line to Gem Visa, they sent to 3 cards probably by mistake or whatever, and because of this the card number in their system was different from the card that I had in my hand. The funny part is the card was activated on call with their customer service team. 2. I had a CT scan… Read more

and wanted to pay using gem visa so I get the 6 months interest fee for transactions over 250. 3.I tap the EFPTOS and the transaction won't go through. I had to pay from my savings. I called them and raised a complaint. This was somewhere in 2025.(Card issue was resolved as confirmed by a manager) 4. Fast forward to February 2026, I had to pay for my car around 700 and when I tap it won't work. When I called them they said my card details are incorrect. 5. It's been more than 6-7 months but the issue actually never was resolved. 6. I understood this now because every time I wanted to buy from Good guys or Harvey norman or jbhifi, I had to use my account number. Since it worked with account number I never bothered about the card. But when it came to EFPTOS tap, I was going through this mess. 7. I called the team again and the customer service is terrible. Bad managers bad team no empathy no concern. Pure business. 8. Shame on this company for lack of empathy. They are dealing with people's money. When someone pays back with no history of any black mark, all you can do is show empathy when we reach out with concern. 9. Just today that st^pid id*ot cut the call on my face.

This one of the worst credit card potentially in Australia, other than $8 monthly charge fee. Their payment system is a scam! By January 2026, their payment system has switch to minimum payment by itself. This costed me $250 of late payment interest. After spoke to their management twice their response was - it was your own fault, not our problem,… Read more

since U have made only the minimum payment by the end of the month! As a customer with latitude for over 10 yrs. Sorry to say your service team was pretty rude and helpless. I would just switch to another service provider after. Thanks for nothing !

What an absolute joke this organisation is! To have a secondary card authorised is a nightmare. Electronically Latitude does not recognise either my Driver's licence or my passport! So off to the post office we go AGAIN! And last time, Latitude didn't receive the form so had to do it all again. This organisation still lives in the stone age!

Credit card $450 in credit. Called customer service, couldn’t hear operator, sounded like there was a call centre party in the background and operator’s English was not strong. Said they processed the refund. 2 weeks later, still nothing and costumer support can’t provide answers other than it might take few days with bank to clear? I was told… Read more

3-5 business days. Who knows if and when it will ever be sorted. Not happy. Very poor customer service

My husband and I paid off and closed our car loan account with these clowns more than 2 years ago (2023) after a very painful series of requests to close it (We tried via fax email and countless phone calls frustrations and wait times) They finally (5 months after paying it off) managed to send us a letter of account closure and assured us the… Read more

account was closed. They sent the letter in my husbands name only. We didn't think much of this at the time as the account was supposedly closed and that's what we wanted. This week we are applying for an investment loan with our bank and were shocked during the credit check that it still shows as an open loan (with zero activity since 2023 but nevertheless open) in my name only. WHAT? I'm calling today to complain about it and get it sorted on their 1300 number (which they provided on their supposed 'closure' letter). Was on hold over 20 mins. The automated horror machine keeps asking me for my card number. When I finally got through the guy goes 'sorry mam I can't help you I'm with the credit card team' ...why put irrelevant phone numbers on closure letters??? He put me through to the 'right department' ...on hold over 20 minutes (because apparently I have all day) They assured me yet again that the account is closed but will now send me another letter (in my name this time) within an hour and ensure there is a correction request sent to my credit file to fix the oversight...but that will take 30 days! Shall I hold my breath? I think not....in the meantime my investment loan outcome may be affected by this. Unacceptable!

Stay away from these guys... their incompetence has no limit. And a warning to ensure if you've ever had a loan with them that they've REALLY closed it when you asked them to.

Latitude is horrible to work with I had a call asking about excess payment on my car I paid it and they have called me after that saying I owe money but I got told I didn’t and they had a look saying I didn’t owe money and they’re still sending emails saying I owe money when everytime I ring they say I don’t they’re either forgetful or trying to scam

Avoid the service if you can. The charges, fees and interest deducted are unclear, especially after the interest-free period. They have credit card charges every month amounting to at least $120/year, then they have some unclear service charges, then by default you start receiving physical statements for which they charge $16 every month. Post… Read more

interest-free period, you get engulfed in a never ending cycle of 29% interest that gets deducted from your balance amount, and your balance amount never seems to get paid up. If you do opt for the card, make sure you complete your payments within the interest-free period and don't use the account/or close it (if you to avoid the card fee every month.