People's Choice Credit Union

I have found the services of People's Choice Credit Union (PCCU) very disappointing as a customer of ~10 years. when I began they were called Australian Central saving and Loans.

I joined as a young adult fresh into the workforce and after better customer care, rates and service than the Big 4 would offer. I have found that the branch staff struggle with anything other than cash in/ out transactions. Loan, credit and mortgage applications are unexpectedly tedious and prone to 'mistakes' or incorrect information. The phone support is better tha...Read more

I applied for a home loan around Feb with [name removed], got assessed and was assured I will get the loan amount for the cost of the land and building. Submitted all requirements no issues whatsoever. Land title will be around middle of July. I contacted her again around May and she was not replying anymore. Called their office and she cannot be contacted. It took me 3 consecutive follow ups for them to transfer my application to another banker. [name removed] was the banker who took over. Submitted all requirements again end of May no issues....Read more

I first came about PCCU 3-4yrs ago, their rates looked great so I applied for a car loan and the service received was fantastic. Now..... I've never felt so scrutinised in all my life when applying for a loan, despite it still pending I'm inclined to cancel the application and look else where, due to the fact I've separated from a toxic relationship and am now single they called to question my relationship status and living arrangements, I've been asked to provide a stat dec from a family member to support the purpose of the loan, they obviousl...Read more

Recently applied for a secured car loan through people's choice. Fantastic interest rates and good loan conditions caught my eye and the initial stages of the application were very easy and straightforward. After submitting the initial required paperwork we were told we needed to submit more paperwork, ok seems a bit extreme. After verifying the exact information we provided, we were rejected!!!! My partner works full time with good income, myself casually (which falls out of the their guidelines for income apparently) so why not say that at th...Read more

UPDATE 27 June 2019
People’s Choice create home loan applications for you, write in the application what they want not what you tell them, then don't let you see the form

we wrote the following to PCCU ' You state at various places in the 23 April 2019 letter, that
a written loan application is not required by law
the Loan / Overdraft Application form is an internal document
the Loan / Overdraft Application form is updated by PCCU from time 2 time as an application progresses
a copy of the Loan / Overdraft Application form does not have to be provided to a borrower
Please advise if the above is not true
...Read more

I have been with People's Choice two times, both for Vehicle Loans. One loan was honorably settled after continuous and timely repayments. The other loan now 2 years is currently being paid right on time every fortnight. I wanted to change the current vehicle to a newer version by borrowing $10k, repaying the outstanding $7k to PCCU on existing loan, and settling the balance $3k as part of purchase of new vehicle.

Having a good credit repayment history on two loans I was declined the credit for $10k loan. They claimed I did not meet their cred...Read more

I’ve been with Savings & Loans since the mid 90’s when I was a teen. Now have two properties and business banking with Peoples Choice. I visit the Salisbury Downs branch at least twice weekly. Each time the same staff approach me to encourage me to use the ATM. EVERY time I have to explain why the ATM is not appropriate for my business’ specific needs. Today I actually lost it at the lady, she tells me they have to ask. So when did it become more about pushing people out of branches and into self serve? That does not sound ‘People’ orientated t...Read more

Tried to apply for a personnel loan online to consolidate a two credit cards, rep called within an hour and wanted to know everything about my finances which even my home loan provider did not ask, which I duly provided in the interim rep was trying hard to sell income protection insurance, car insurance and home and content insurance, spent more than 1 hour on this call and she advised will call back if loan is approved or not, few days of chasing up and then they advised they cannot provide the loan without security.
I went to my bank and go...Read more

I went into the Elizabeth branch of People's Choice Credit Union recently and after being scowled at by the woman at the counter (I interrupted her conversation with her co-worker by wanting to be served), I was assisted by a woman who was more interested in planning her own wedding than actually doing a good job. I wanted to change my surname and showed her my marriage certificate, and yet she didn't even change my title from Miss to Mrs. I wanted a new cheque book which was agonising to arrange because she kept on asking me why I wanted a che...Read more