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People's Choice Credit Union

People's Choice Credit Union

Branches and Online
2.0 from 132 reviews

See the Best Banks in 2019 as rated by Australians on ProductReview.com.au.

Reviews

Review distribution

5 star
25
4 star
5
3 star
4
2 star
8
1 star
90

Madelene Rose P

Madelene Rose PGreater Melbourne (Metropolitan), VIC

Amazing service from Loan Delivery Officer

published

A very new customer with People’s choice and will highly recommend for anyone wanting a car loan!!

Straight away I was given great feedback, communication everyday and a massive Thankyou to Hina who I dealt with through the whole process. She was very understanding and helped me through everything even emails!!!

I couldn’t say Thankyou enough and very happy with this bank!

Transparency
Customer Service
TopicLoan Application

A Very Very Very Bad Experience And A Waste Of Time

published

I made a person loan application at their Christie's beach branch, I was told the processing timeframe is 24-48 hours, shockingly it took one week, no communication nor any update. I had to take it upon myself calling everytime and sending emails to be told my application was not approved.

Transparency
Customer Service
TopicLoan Application
FishtailBob

FishtailBobBallarat

  • 8 reviews
  • 8 likes

They offer a very enticing carrot (rates) and hit you with an even bigger stick.

published
Transparency
Customer Service
TopicBusiness Banking, Credit Card Application, General Transactions, Loan Application and New Account
John T

John TGreater Melbourne (Inner), VIC

Avoid at all cost!! They don't care about their customers!!!

published
Transparency
Customer Service
TopicLoan Application

Aldrin S.

Aldrin S.Sydney, NSW

UNBELIEVABLE SERVICE. DO NOT GO WITH THEM

published

Offering a personal loan with no monthly fees and variable with a secured loan. Got pre-approved and later on got declined saying i was outside of their lending criteria. I have no car loan, no personal loan, great credit rating. I have not had an enquiry in 2 years until now. They couldn't tell me why.. poor service.

Transparency
Customer Service
TopicLoan Application

Melissa P.

Melissa P.Greater Melbourne (Inner), VIC

Bad customer service

published

I saw Irene from the Caroline Springs branch. She said I got approved but then came back and denied my personal loan. Very unhelpful. Definitely won’t recommend Peoples Choice to anyone

Transparency
Customer Service
TopicLoan Application

Never felt so scrutinised :(

published
TopicLoan Application

Ruby

RubyMetropolitan Adelaide, SA

STAY AWAY!!!!

published
Transparency
Customer Service
TopicLoan Application
Joy

JoySouth East Queensland, QLD

  • 3 reviews

Love 'em

published

I have been with the credit union since 1980s when it was Australian Central Credit Union. Always found it a great institution. We have even moved interstate and would not even consider going elsewhere. The call staff are always amazing.

Transparency
Customer Service
TopicGeneral Transactions
Colleen

ColleenDarwin, NT

Insist that PCCU show you the loan application they do for you & the loan assessment

published
Transparency
Customer Service
TopicLoan Application

Leon

Leon

  • 3 reviews
  • 2 likes

Declined a $10k refinance on a Personal Loan. Shameful Union.

published
TopicLoan Application
1 comment
People's Choice Credit Union
People's ChoicePeople's Choice Credit Union

Anonymous

AnonymousMetropolitan Adelaide, SA

  • 2 reviews

Concierge Practices Deplorable

published
Transparency
Customer Service
TopicBusiness Banking
1 comment
People's Choice Credit Union
People's ChoicePeople's Choice Credit Union

Sunshine

SunshineMetropolitan Adelaide, SA

Shame on closing Port Adelaide branch.

published

2 buses with a walker is too hard for me. Then was told "Take a seat, you will be seen shortly" 1 hr 10 mins later I was still sitting & waiting. Queues were to the door, 1 teller working, many people walked out. Others were told, come back in 1/2 hour, the line shrank to aroynd 10 people lined up. Lunchtime ystrdy. Been with Savings & Loans since 70s.

Customer Service
TopicATM Experience and General Transactions

customer service please

customer service pleaseMetropolitan Adelaide, SA

Seems like only certain peoples choice credit union.

published

Have been with them since early 1990's, customer service is the worst with a line of 20 people standing there frustrated (west lakes) , considering closing all accounts and changing to someone else, even home loan and my sons account.
I don't know why the branch has to look like a cafe with a coffee machine (maybe for the precious staff) with no privacy and all customers to hear your private details, maybe the cafe's in west lakes will start doing your banking , might get better customer service.
Should sack the trendy idiots who thought of this concept.
If you only want young people there using atm's we will gladly leave, seems like only certain peoples choice credit union.

Customer Service
TopicGeneral Transactions

Absolutely the worst I can not stress this enough stay well clear..

published

Absolutely the worst I can not stress this enough stay clear..they draw you in with low rates but never deliver even though we own several properties and have a credit score of 900 !! And serviceability is overwhelmingly 100% even stated by them.. she wanted a loan for a vehicle but she made the mistake of saying she had a partner and they insisted that both her and I sign omg the vehicle is hers its registered in her name..they just wanted to force another person to be liable and open another account.. and if you do the online application you will have a credit check done and since you will probably refuse their offer like us you will have put an extra mark on your credit file affecting your score all for nothing..

Customer Service
Paul

PaulMetropolitan Adelaide, SA

  • 3 reviews
  • 1 like

Time wasters

published
Customer Service
TopicLoan Application

happyrabbit

happyrabbitAU

  • 3 reviews
  • 1 like

Welcome To Peasant Class

published

If you want poor service and to be shouted at by an employee across a busy branch you have come to the right place. Customer service only extends to them trying to sell you products , if you want something from them you had better bring a packed lunch and a chair because the queues can be long and the apologies lacking , your time does not matter. And if you have to deposit cash expect to be treated as an inconvenience/ criminal depending on the staff member. I thought the banks were bad but People's choice takes it to a whole new level. Banking For Peasants . They hope you do not notice.

Customer Service
TopicGeneral Transactions

Charley

CharleyMetropolitan Adelaide, SA

  • 8 reviews
  • 5 likes

Customer service is a joke

published
Customer Service
TopicGeneral Transactions

HAN

HANMelbourne

  • 2 reviews
  • 2 likes

Dishonest service

published

I was directed to Peoples choice for a small balance transfer. I request contact via email, yet they called daily instead. After calling back and spending 35 minutes on the phone providing detail after detail, I was put on hold to be advised that to proceed I’d need more details. At this point I requested they withdraw my application. I requested a formal email noting my request to withdraw. What I got was an email stating I fell outside lending guidelines. Inaccurate, disrespectful and disappointing. Steer clear if you want an honest and transparent encounter.

TopicCredit Card Application
1 comment
HAN
HAN

Just an update - it’s been over a month and I’ve not heard a peep in response to my concerns. No one wrote back to my emails. AND they put an application through despite my request to not proceed!


Honestyisthebestpolicy

HonestyisthebestpolicySouthern and Hills, SA

  • 6 reviews
  • 7 likes

Don't bother

published

We were looking to get a construction loan and had a specific broker assigned to help us. He never returned emails, took weeks to get back to us after being chased multiple times. A complaint was sent to credit union, had no response!!!! This went on for around 6 weeks before he even looked at our paperwork and gave us figures and the ok to do it, with no issues with getting a loan. We then received an email from another broker from People's Choice saying he was taking over because the other guy had "moved to a different area". He told us we couldn't get a loan without selling our house first. Have since gone elsewhere and have had no issues????

Customer Service
TopicLoan Application

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Questions & Answers

Dean F.

Dean F.asked

when dose People's Choice Credit Union Banks.

closed down
Do your maintenance in the middle of the night like everyone else!

1 answer
Joy
Joy

They do


Colleen

Colleenasked

We have queried People’s Choice about home loans established in 2012. Their practices then were questionable, and documentation slipshod or non-existant
We have asked then to give us blank copies of the loan application form and the home loan contract form they use today, so we can see if processes have changed / improved.
They refuse to give them to us.
I am hoping someone who got a loan within the last 12 months or so will read this and be willing to share forms with us.
We are interested only in the text and layout of the forms, so ask that all applicant / property / financial detail etc be redacted.
Can anyone help with this ??

No answers

CK N.

CK N.asked

Wow you guy's have some terrible reviews when it comes to car loans is this typical ?
I'd would've thought for people with good credit good employment etc no debts other than a mortgage.
It'd be pretty straight forward and customers would obtain the low rate offered on your website but have heared hardly anyone is successful in getting it or the full amount they wish to borrow.. am I ill informed? Also read alot about avoiding choice because it'll just add another mark to your credit file if choice cant provide the loan.
Wary possible future customer.

Regards

No answers

Get an answer from our members and People's Choice Credit Union representatives

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