Review your last buy on ProductReview.com.au
nlc is no longer operating/trading. See the Best Car Loans.
nlc

nlc

 Verified
nlc
2.6

181 reviews

Positive vs Negative
41%59%
Loan TypeFixed Rate, Line of Credit and Split
Average Loan Term4.1 years
Transparency ?
2.5
Customer Service
2.4
Application Process
3.0
Timeliness ?
2.6
181 reviews
1 Jack N.  · NLC good. SGFleet awful – NLC was great. SGFleet is abysmal. Don’t go near them.
2 Joel H.  · Don't recommend – Painfully slow and poor communication. It's been two months now and I still don't have a car.
5 Kathy H.  · Great start – Just signed up to a lease. Really good service from Joslyn Kent. Hopefully after-purchase service is the same standard!
5 Ziad  · Easy and fast – It was a good choice to go with NLC, you will get exactly what you have been told, no unwanted surprises. Good price for a brand new car.
2 Richard  · Supplied wrong car – They made a change in the paperwork during the 3 month process from a automatic to a manual no apology
Scott
Scott2 posts
 

Ridiculously poor fleet management company – When my novated lease was moved from NLC over to SGFleet - it was all downhill....fast. Repaying claims was now taking weeks, not hours or a day or two. Now I have sold my car and terminated the lease at the end of August 2023. As I write in mid November, SGFleet still holds upwards of $8000 of my money. Up until now Ive been patient, but I have… Read more

now spoken to 6 different people at this business trying to recoup my money. The reconciliations team are not reconciling anything, but are keeping my money because the person assigned to the case is 'off work today'. This is 10 weeks later....... and still waiting with the usual "Ill see if I can get someone to call you" line.

Rubbish - Dont deal with them. You have been warned.

Angry customer
Angry customer
 

Rubbish – Customer service is absolutely rubbish with SG Fleet, NLC were great but since the move across to SG Fleet it’s non existent if thinking of a lease use a different company.

Nathan
NathanTAS2 posts
 

Hopeless – Absolutely hopeless, they will not reply to calls and emails. NLC were ok to deal with but SGFleet are lacking some serious management. Look elsewhere, I wish I did.

Reviews with attachments

  • Thumbnail
Timsau
TimsauVIC16 posts
 

Amazing customer service – Glen from the deliveries team went absolutely above and beyond to rectify a problem caused by nunawading Jeep. I couldn’t be happier with the service of NLC it’s unfortunate that nunawading Jeep doesn’t have staff with his abilities and commitment to customer service. Thanks again Glen!! I was a bit worried when I read reviews about trade ins… Read more

taking a long time to pay out. I left my car at the dealership, NLC organised the collection of it and I had the money in the bank within a week. Couldn’t fault NLC at all the whole way through. Definitely a pleasant experience.

Positive reviews

Media
MediaNSW2 posts
 

Supportive team – Alex in nlc is perfect. He is supportive and gives you many options to consider. He was doing many research and did contact different dealers to suggest me the best option and best price. I highly recommend Alex.

sami
samiWA6 posts
 

Got the right LV in a short time as promised – Went above and beyond with the service, being a shift worker they worked with our time frame and it was all sorted with in 2 weeks.Picked it up on flyin day with no dramas.

Gretchen
Gretchen
 

NLC Novated Lease made easy – I have been a happy NLC customer for many, many years and am never disappointed. The sales consultants and customer service representatives operate with the highest level of professionalism. My sales consultant for the newest lease was Andy Lui and he made the process easy, handling every step with expertise.

Negative reviews

Dave
DaveNSW2 posts
 
Transparency
Customer Service
Application Process

Waste of time – Initial enquiry - Jan 2022. Got back to me pretty quickly, worked out a quote, type of car, sent in all the paperwork etc. Backlog of vehicle expected (not their fault) and they were pretty upfront about it. No worries. A few months pass, dealer calls direct to say there would be a longer delay and a price rise. No worries. It happens. Another… Read more

call about 2 months later. Longer delay, ANOTHER price rise. Then nothing for months. This is the time sgFleet took over, but still didn't hear anything, tried to call several times with no response, email eventually got through, but by this time, I was told the car is nearly ready so they need payment and the dealer was chasing them. I explained my financial situation had changed, but they were very pushy - I was being hassled daily. My initial approval had expired due to the delays, so I had to go through the document process all over again. Sent it through, waited nearly another month and was told that their bank knocked the approval back. Was advised (by email) that they had another option and would send it on. I asked them what the next steps of this process are, and haven't heard a thing since. I have no car, no solution, and after all this, it would appear that their marketing of salary sacrificing cars as a viable option has very little to do with your salary in the first place, so the product really isn't what they say it is. It's essentially finance.

I don't know if under the banner of sgFleet is better or worse, but I can't see how it would be better. Worst of all, NLC/sgFleet is the only group that my department uses so I have no other options in this regard. 12 months of stressing about a vehicle to end up with nothing to show.

Don't put yourself through it.

AGC
AGCQLD9 posts
 

Custom service without parallel, which is the problem – My previous novated lease was with NLC which was quite good in terms of custom service, response times and capacity to see your in real account with an excellent interface. NLC was rolled into SG Fleet and has become an utter basketcase since. I couldn't logon to the website to view my account balances and my account was simply unable to be used… Read more

for a month. My lease ended early Jan 23 (counting myself very fortunate in this respect), and they are still deducting lease payments, so I'm having to chase that, I'm also waiting for the final reconciliation of my account that was in +$3k credit at the end of the lease. I would've re-novated a new vehicle with NLC but I wouldn't touch SG Fleet.

Just don't do it
Just don't do it
 

Atrocious – I used to be with NLC and never had an issue. SGFleet's online portal looks like it was built in the late 80s, which is baffling as NLC had a decent online portal. Why not just retain that? They made a mistake and charged me for insurance when I organised my own independently. Despite notifying them, they continued to charge me and I've been… Read more

waiting on a refund from them since August. Just don't. Their incompetence is what will cost you - both time and money. The entire experience has discouraged me from ever using a novated lease again.

Recent reviews

Den
Den
  Verified

Worst customer service experience I have ever had – Don't waste your time going to sgfleet. It's more trouble than it's worth. My previous novated lease was with NLC which was a reasonably better company in terms of their service provision. However, the company was bought out by sgfleet, which was the worst thing that could happen. The company seems to be understaffed. Emails don't get replied to.… Read more

Calls go an answered on most occasions. If you are lucky to speak to someone they will always seem to lack the full information to assist and transfer you to a dead-end line. Most calls usually end up on a long waiting list. For some strange reason whenever I'm placed on the call waiting list I start off as the 55th caller. It can't be a coincidence that in making 4 separate calls on different days and times I start out as the 55th caller. I'd rather go for a different financing option than a novated lease with sgfleet. It's not worth the frustration, lack of transparency and lack of communication.

Simo
SimoSouth Australia
 

Service is just so bad – Changed employer at the start of this year and got told I had to change my Novated Lease to SG Fleet - it took nearly 4 months to get the replacement lease up and running - didn't need to change the finance, just needed the lease company to sign new paperwork. When the lease started they took a double payment up front, which no one even mentioned… Read more

would happen, and seeing as I was paid monthly it was a very big hit. You thought this was a review about NLC right?? So that job was pretty bad and I changed job again 6 weeks ago and this time I got told I had to use NLC, and based on my terrible experience just 6 months earlier, I got all the paperwork together and submitted immediately. That's where it fell down, because once I submitted the paperwork, I rang NLC and managed to speak to someone and make sure they had the paperwork. I was not impressed at all when they said, "ohh you're coming from SG Fleet, that's our sister company so this will be very easy". 6 weeks later I have not received any new lease details at all, despite calling a week ago and being told that the "plan is waiting on review by the team leader". So why does the team leader hold up the process, the exact same amount as I had previously arranged was going to be maintained - where is the review in that? I also haven't received any correspondence from SG Fleet - their wonderful sister - so they still have over $1000 of my funds and no idea when I'm going to get that back. SG Fleet and NLC - the ugly step sisters. Wouldn't be surprised if they go by other names as well.

Car Loans

Find out how nlc compares to other Car Loans

Know better, choose better.

Compare all
Tait
TaitWA
 

Terrible and hopeless! – This is the worst service experience I've experienced in Australia. Three weeks in and talking to multiple sales individuals and they say we'll send you quotations on email but they never do that. Calling them and getting through is a hit and miss on its own. I've never seen anything like it. Stay away.

Wayne Creamer
Wayne CreamerQLD3 posts
 

WASTE OF TIME – Phoned these people where I had thought I reached a call centre in India. The background noise was so bad I couldn't hear a thing. Was told by the lady I had spoken to that she would call me back. Nope. Just an Email stating she needed someone to look at her phone. Phoned again. Than told by another lady her Computer was playing up. She was unable… Read more

to Email.. I would not recommend these people to Work Colleagues or friends. Please Avoid this Company. After reading all the reviews I can clearly see they have many problems/issues with the way this business is being run.. Avoid at all cost or it will end up costing you..

Andy
AndyVIC
 

Utterly hopeless – Zero customer service, Zero pro active management of ongoing lease. Utterly hopeless. Despite reviewing repayments to cover increased costs they still manage to get it hopelessly wrong. Avoid like the plague. Show details

Freddie M
Freddie MWA2 posts
 

What a clown show – Could not get invoice right that delayed settlement 4 times, starting with 40C difference and then 1c. Couldnt decide whether the car is new, used or demo. Had to sign contracts 3 times and the delivery person hardly returned any calls or responded to email. Empty promises from senior management, including CEO, to address the issues but nothing resolved. Still waiting even though the car was ready almost a month ago

Carrie T.
Carrie T.VIC
 

Terrible. Signed a contract then they ghosted – Ordered a leased vehicle in November last year and was advised car would be available January. I expected ongoing covid delays. What i did not expect was the terrible customer service. I’ve had four or five different sales people, none of who respond to email or call. After signing three seperate contracts I was told last month my car was ready at… Read more

dealership. Myself and work signed all the papers and NLC have continued to ignore calls and emails. Called dealer with my order finally to learn they do not have car yet, have no date and only received order from nlc in February. Still waiting for Ashlee Crawford, Zain James, Audrey Tangapiri, Claire Wilkins or Mitchell Power to respond. I can’t believe this company is a state government preferred supplier - terrible service for VPS staff. I am genuinely concerned if this is a legitimate company at all.

Desh K.
Desh K.VIC
 

Terrible customer service. Never recommend – I never recommend nlc for car leasing specifically for the salary sacrifice package. I got a customer consultant named Nathan and he was a very corrupted person according to my experience. If you will be contacted by him for your car lease, you must be careful and be aware of him in future. He provided me a quotation for an used car that was… Read more

exactly similar to the specifications of the brand new model of RAV4 which I requested for financing. Simply what he wanted to do was to use my salary sacrifice package to sell an used rubbish car that is currently available with his company or his favourable dealers. He told me that financier agreed to lend only $ 40K so that he managed a car to fit 40k. Undoubtedly, he worked with the financier and got approved with a very low finance for me because he wanted to sell an used car immediately from his company and start my repayments as soon as possible since a brand new car will be delivered after a long waiting time. The worst scenario was that he did mislead me quoting the specifications of the same brand new car for this 40K which I requested for leasing. He did not mention it even his email so I just inquired about it in my next email. Then only he told me it over the phone. Fortunately before accepting and going ahead with his quotation, I carefully went through his all documents from the beginning because I had already seen bad review comments for nlc services. I chose nlc though my employer to get my salary benefits. But due to such corrupted strategies of nlc, I lost my rights for salary benifits through my employer. So, I am working on further actions to protect my human rights. In conclusion, you must be careful when deal with nlc and it's customer consultants in future.

Jim
Jim
 
Transparency
Customer Service
Application Process
Timeliness

Only interested in you signing the contract, then you become a number – Through my company i agreed to take out a lease with NLC. Upon my enquiry i was met with calls, emails and constant contact from a "Consultant" (Sales Rep) who went above an beyond to ensure my every need was met. Upon signing the contract, i then became a number and thats were the good experiance ended. Over 4 years with NLC and i havent had a… Read more

single courtesy call, check up or even an email to ask how the vehicle is. Even on the day of collection nothing, no congratulations email call or any care to its customer was given.

My fuel card and welcome pack took over 5 months to arrive and i was left out of pokect. Rego, insurance and CTP were all covered in this agreement although after scanning your documents and submitting a claim no contact or even confirmation was ever received and i had to call their Call centre each time to ensure i wasnt driving illegally and that my obligations and their agreement to me was fullfilled.

I am now at the end of my lease (finally) and i recieved a generic (scam type) email asking for my balloon payment. I contacted NLC again and we are now 2 weeks in with 0 responses.

I would not recommend this company to anyone who isnt happy just being a cash cow and number. NLC have taken 0 effort in customer service or support since i signed the contract.

Chris D.
Chris D.
  Verified

Better than expected – I was a bit worried after reading some reviews on here prior to signing the contract with NLC and was expecting a horrible experience but have not had any issues so far. The customer service has been the best I have had and being my first novated lease they were happy to help me wherever they could. My consultant Nicole was awesome and the… Read more

Delivery team were excellent too. They even prevented me from being ripped off by the dealership who tried to get me to sign up to after sales crap that I didn’t even want. I even competitively tested the quote with another provider and the other provider couldn’t even understand how NLC was able to offer me a so much better rate. Even doing the expense claims has been so easy and quick that I am never out of pocket. I would definitely recommend to dyor before getting into a novated lease regardless of the provider since it depends on your situation and it can either save you money or cost you money so read forums, check reviews, do the calculations and even seek advice if you think you need it.

Don'tRecommend
Don'tRecommendNorthern Territory
 

Wish I had read previous reviews! Terrible delivery team – I wish I had read previous reviews prior to signing up. I had a great experience with Sales (Gary is my only positive about NLC). Waited 7 months for the car (covid, chip shortage etc). Finally get the confirmation from Toyota that my car is ready and they had advised a date I could pick it up, however they were waiting confirmation of… Read more

settlement from NLC.

Toyota had been trying to get in touch with NLC for days via email and phone, did not hear back. After asking my sales contact for help, someone from NLC Deliveries finally reached out.

Usual procedure is customers are contact approx 30 days prior to delivery (Toyota had notified NLC ~3 weeks before my car was due to be delivered it was on the way) to sort out paperwork and finalise contract. I find out the hard way that none of this had been done, and was requested to complete the paperwork.

I had stupidly agreed to the tint and ceramic package through NLC when I first signed up to the package - was this booked by NLC a couple of weeks ago? No.

My car will be sitting at the dealership ready for pick up, for approx 2 weeks due to NLC's incomptence. This issue had been escalated to the Dealership Team Lead, who has been quick to action my issue, however advised NLC would provide a compensation of $150 for this stuff up.. that won't even cover a full tank of fuel!

After speaking to people at my company that also went through NLC, it appears their service and (in)competence has been a common issue. I would like to see NLC address their process and people issues, however it does not appear to be a priority.

Don't recommend - at this stage I do not want to deal with NLC further and wish I had just bought the vehicle with cash!

Car Loans

Find out how nlc compares to other Car Loans

Know better, choose better.

Compare all
William K.
William K.WA
 

Very helpful and responsive – Spoke to Glenn who walked me through the whole process as it was new to me having recently arrived from the UK. I found the team always available and were very responsive to my messages when I could not get through directly. From the moment I first made contact it took just 10 days to receive my new car, which was very impressive Show details

Glenn Binney
Glenn BinneyVIC
 

Andy and the team came to the rescue – ANDY WAS FANTASTIC,AFTER A CONFUSION OVER MY WORKPLACE PULLING OUT OF ANOTHER LEASING GROUP, NLC came to the rescue in a fast and professional way took the reigns and got my car to me in just over a week, luckily my car was ordered last year and had just recently been delivered to the dealership. Thanks Andy and the NLC team for all your help.

Taylor
Taylor
 

Easiest process i’ve ever experienced – Glenn & Stefan were an incredible help from start to finish - always there when I had questions and made the entire process absolutely seamless. So happy with the team and my new car!

Alvaro Goncalves
Alvaro GoncalvesWA3 posts
  Verified

Worst Lease company and terrible customer service – Read the reviews and heed the warnings - they are not joking. Find another lease company and save yourself the unnecessary stress. - Ridiculously convoluted accounting system that will not be explained - Goal posts change at every opportunity - Never pay bills yourself as you will not be reimbursed - Customer service employees lack training and understanding Keep reading below to find generic lame response from NLC. Show details

nlc
nlc    

Hi Alvaro, Thanks for letting us know that you are having… Read more

Robb
RobbNSW12 posts
  Verified

This Is The Worst Possible Company To Go With – I have had 3 novated leases in the past the last being nlc . This is the worst possible company to go with from the get go the only responsible person I dealt with was claire ! Everyone else ( better not name them ! ) are absolutely inept as a novated leasing agency . Even on the collection of a very stressful lease arrangement thanks to the… Read more

people in this organisation the dealer stated they had experienced a number of issues that even prevented clients from collecting their vehicle due to this company. If you want enormous stress anxiety & complete dissatisfaction ... Then go with nlc . I did via psa ( public service association ) and I can honestly say it has been the biggest mistake I have made & worst experience ever ! Just my experience however I thought I would share as it may assist others.

nlc
nlc    

Hi Robb, I am sorry to hear that you have not had a great… Read more

Jessica T
Jessica TWA
 

Terrible service! Nothing but lies – We were given incorrect figures over phone everytime we asked what the take out amount was to get us signed up. NLC started paying our loans a month late therefore when we finally cancelled our contract we owed the finance company late payment fee’s. When we queried this their answer was we have paid….. it’s just late. We were with them for almost… Read more

12 months yet only 10 payments were made.

Their own insurance is twice the price of other insurance and gets paid first over other things like services and registration. We have had to pay for these ourselves due to “lack of funds”. We have done more than our KM’s but paid for our own fuel due to this and put up our fortnightly payments to cover this. Every time we queried why there was STILL lack of funds their answer was, it all works out over 5 years.

Basically they take your money, pay themselves and then still make you pay for everything else. ABSOLUTE RIP OFF!! We FINALLY cancelled our contract in August due to such lack of transparency and not adhering to their side of the contract. At this point they told us they weren’t paying for the car registration which was due two weeks prior and that months lease also due two weeks prior because of lack of funds. We were (lucky us….) getting a small refund though due to nothing being paid for.

It has now been two months since we cancelled our contract with NLC and with many calls to them daily our refund STILL hasn’t been processed with excuses like , we’ll get back to you and we’ve sent the paper work we’ll do it later.

In short terms NEVER SIGN UP WITH NLC it will cost your three times the amount and cause everlasting problems, especially when your constantly having to chase them up to do their jobs!

James S.
James S.
 

Terrible customer service – The reviews that are on this website are very factual. I got my car lease through them 2 years ago and was lied to get me across the line when I started about the easy process and support available. Financially, doing a novated lease makes sense and works out positively for 90% of Australians but if you can do it through any other company, I… Read more

suggest you do. I left a query on their website 3 months ago and have now emailed 3 different employees without response so far. Tyler was the only team member that did respond and said he would forward it to the right department and it would be looked after. I replied to him 14 days later after hearing nothing from NLC and he hasn't replied either. I can understand it not being his department but he has either lied to me or his company has let him down.

Definitely avoid NLC .

nlc
nlc    

Hi James, Thank you for posting your feedback. I am sorry… Read more

Angus B.
Angus B.
 
Transparency
Customer Service
Application Process
Timeliness

If it wasn't for Glenn Burke, this would be one star – I get it, hard times in an uncertain world. Luckily for me there was an unwavering support mechanism in Glenn Burke (my sales guy) who, despite the rest of the company letting him down, was there to chase up EVERY SINGLE ISSUE at every single point in the process. And there has been issues at every single point post sales, which he isn't… Read more

responsible for. But he followed them up on my behalf and gave me faith that there are still people who care, despite the rest of NLC evidently giving up in the midst of another buyout.. If you don't get Glenn, request him. He's your only hope.

nlc
nlc    

Hi Angus, Thank you for taking the time to review nlc. I… Read more

Steve H.
Steve H.VIC
 

Poor customer service – Not happy with the dealer coordinator Team tried calling him many of times left messages, emails and not once has he returned my calls very disappointed in there customer service

nlc
nlc    

Hi Steve I would like to apologise for the service you have… Read more

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.