People's Choice Credit Union Online

Despite reading poor reviews, I have had a different experience with People Choice. I applied for a personal loan to refinance my loan from one of the big 4 banks for People choice. Dee from Elizabeth Branch helped and guided me through the process and she made it sooooo easy and less stressfull for me. She communicated and explained everything throughly and my loan was approved and transferred to people choice within 2 days. Thank you again Dee Show details

After setting up a new account I rang to activate my internet banking. But the lady couldn’t verify me so was going to send a letter out that I had to get my license sighted by a JP( a certified copy ) great waste of time. But eventually after pointing out some common sense. He finally got it and verified me. But then she tells me to wait while… Read more

she speaks to her manager and comes back saying they don’t activate new accounts on a Sunday ! What a total waste of time and frustration. Why bit state this at the start of the conversation when I said I want to activate my new account ?? Anyway after a total stuff up of lack of knowledge and common sense. It tells me to try another bank before more disappointment, dismay and dissatisfaction

One of the nastiest banks in history Wouldn't discharge a house loan on refinance for weeks so they could keep getting interest Secondly held money transferred for "fraud reason" so they could keep playing the stock market and cashing in Bunch of absolute scum Show details

Applied for home loan and was demanded to provide excesive amount of documents. Than new requirements to provide more documents. Canceled the aplication. not recommended. Show details

Simply brilliant. Been with them effectively for around 30 years (Territory Mutual) Always helpful and easy to get hold of, talk to & courteous. When my Wife passed away the Bereavement Team reached out and sorted everything. If you want service, forget the big banks. Show details

Great customer service, attractive rates, app needs work though – We recently signed a mortgage with Peoples Choice after they beat all other rate offered by a decent margin of 0.25%, which in todays market is reasonably good. They also got our loan organized very quickly after a fairly average broker left us with no viable mortgage option despite having a great deposit and finance (clearly just searching to… Read more

sell us a high commission loan).

They were also the only bank to offer no LMI on my mortgage due to my secure government work and excellent overtime earning capacity, which most larger banks will not. This, combined with an interest rate lower than lots of people with a much better LVR than mine, makes them an easy choice.

Our case was handled by Lewis Johnston completely online whom was excellent to deal with, so for any emergency services worker, or health worker, i would strongly recommend him and Peoples Choice as they definitely understand our work security and varied earning capacities and provide us with a good deal accordingly. I have since settling had a couple of calls to check in, he clearly lets his work speak for him as he isnt pushy with sales and clearly isnt chasing KPIs.

Unfortunately their online banking app isnt the greatest, and their credit card rates leave much to be desired, but this clearly isnt their core product line. They were also very upfront and honest, and Lewis advised that if we were intending to utilise credit cards for points as we do, to work with another bank and simply pay the mortgage from there, rather than try and sell us an inferior product.

Myself and a number of fellow emergency workers have had excellent experiences with Peoples Choice, particularly Lewis, and would reccomend him to anyone else looking for a home loan.

Phone assistance to follow up declined payments to seller – Online sevice was amazing from Sarah who usually works via Salisbury Branch. Declined payment that was the reason for my call was investigated and was stated to be due to an alert that Peoples Choice were concerned about as a potential scam. Whilst this was an inconvenience to me that I was temporarily locked out of my account for 24 hours (over… Read more

the weekend), I am impressed that the concern was to prevent any potential fraud because the system did not recognise my laptop which was new and had not been registered with them. As this entailed uninstalling all the current apps in all my phone, laptop and iPad, then reinstalling them with new passwords etc, I am incredibly impressed that Sarah talked patiently with me and we reset up my laptop, iPad and mobile phone with new passwords etc. Sarah guided me through the process of finding the apps, then how to uninstall them, then where to look to reinstall them...and so on. It took forever, but she just stayed with me until all my things worked again. What a brilliant employee!! I tried to leave positive feedback following the phone call but unfortunately I accidentally hung up as I pushed the wrong button. Hence this review, hoping her employers will see it. Well done Sarah! I am so grateful for your help, competence, good nature and patience.

Applied for home loan and waited 6 weeks. I was asked to resupply application data as it was older than one month. I then received a request for a significant amount of new information at which point I gave in. There are other lenders who can do this work in a reasonable timeframe.

Horrifically understaffed. To increase one's transfer limit one has to call. It took 20 mins waiting for my call to be answered, then a further 38 mins to establish that they will have to get someone to call back to verify my identity via a Teams video call whilst I hold up photo evidence. That call came 2 hours later because there was no one… Read more

immediately available to do the Teams call. I am now on hold again, 27 minutes and counting, to verify my identity. The most basic of functions of a bank and I still cant transfer my money out of this lousy bank.

Had enough of the constant issues, unable to access my card or use it, unable to login. Getting beyond a joke!!! I would recommend another bank as these guys are absolutely ridiculous!!

They are worst Financial Organisations I have seem in 40 years of investment life in bloody Australia. Must be managed by old retired financial id*ots of Australia or Clive Palmer or Albo Nazi type prime minister's friend. These bunch of id*ots asked me to wait for 4 weeks and said due to risk policy refinance is not possible. Totally… Read more

unprofessional and third grade bank. I do not recommend them for any business, they are totally low risk non-sense.

If I could put zero stars I would . Rang as my apps not working . So dismissive and was told go into a branch , very unfriendly and didn’t even try to help me properly , what’s the point of being open for 24hours if you don’t even want to help people that call !!!!! Show details

Most discusting union it has turned to be, do not be short$1.00, on your cgu insurance or they will charge you $5.00 they like ripping there 35 year members ,don't get [Content Removed] for being a long term customer

Possibly the worst bank I've dealt with. From taking forever to approve a new mortgage to taking equally as long to discharge it 12 months later (due to poor customer service), I cannot wait to cancel all my accounts and move away from this bunch of amateurs. I initially changed to a credit union because I thought they would offer better customer service from the major banks, how wrong I was. Show details

Honestly very disappointed. I applied online for a unsecured personal loan on 20/11/2025, initially everything was great, I got a call that day and we finalised the application, that staff member was excellent and he spent over an hour talking me through all the options and making sure all the details were correct. I was told I was conditionally… Read more

approved and the team would be in touch to verify my details.

I informed him that I had an approval on the table from my bank but due to their offer I was happy to proceed with them however I needed to have this wrapped up in a week or so as I have renovations booked.

Long story short I initially wasn't going to use a loan, I was going to use my savings for the renovations ($60k) however my investments had done really well in the last 12 months so I figured it was a better move to take the loan, pay the interest for a year and put my $60k savings into my portfolio and I would still come out a few percent ahead overall. So I didn't leave heaps of time however I figured two weeks is easily enough time to get a personal loan.

For reference not going to get personal but I make good money, have one credit card with perfect paid in full every month history and recently cleared my home loan so I'm certainly not a risky borrower.

Anyways I hadn't heard anything and they hadn't asked me for any documents so a few days later I ring them and they tell me 24-48 hrs and I'll get the email asking me to provide the documents. I said no issue, four days past I call them again, 24-48, another few days past still nothing.

Eventually I gave up and started looking at alternatives, this morning while at work I came across Great Southern who are having a promotion with no establishment fee, I was hesitant based on this experience but thought I'll give it a go and if not just pay cash.

I submitted the Great Southern application, within seconds I got an SMS and email saying conditionally approved please provide payslips, driver's licence and Medicare. I sent those off at 10:17am and by 11:50 I had the full approval, at 1:15pm I got a call from the team and they sent me the loan contracts and went through everything with me again, I signed them digitally and funds are now being put into the account overnight. I understand every lender has different policies however there is no reasonable explanation as to why one bank would approve and fund me for $60k in less than 12 hours and the other hasn't even requested the documents needed for $45k in weeks.

I should have read the other reviews and saved the credit enquiry however I was sucked in by the good rates. I wouldn't recommend them unfortunately.

Poor experience trying to obtain a home loan. The number of documents requested are excessive, repetitive, and piecemeal. The questions are forensic, random and again piecemeal without an end in sight. I’ve already this amount in loans with big4 lender, excellent credit score and 15years record in servicing loans and was hoping to finance for more… Read more

competitive rate but at this rate I will be defaulting at settlement waiting for them to approve - or worst not approve. We will be withdrawing and go with another lender. Never again Peoples Choice. I regret wasting time choosing you.

Don’t bother applying for a loan. I’m a sole trader earning just under $100k a year and still got knocked back for a $45k business vehicle loan. The first operator didn’t even understand the difference between a sole trader and an employee. When I called back for details, they said it was because I live with two immediate family members and we… Read more

split the bills three ways but they counted all the living expenses as mine only. Apparently, if I lived with friends it’d be different. How does that make sense? I’ve lived with the same family members in the same house for 10 years that’s far more stable than sharing with mates or randoms.

They de-banked me for buying Crypto and depositing cash. This is one of the most woke businesses going. I joined them over 40 years ago but they have changed. First they tried to discourage teller transactions by reducing tellers and counter space. This then progressed to limits on cash transactions even though cash is legal tender. The final… Read more

straw was phone calls questioning my spending habits and Bitcoin purchases. This is not even a bank. They have no business telling customers what they can and cannot do with their own money. It is a woke intrusive organistion under the control of big brother. Stay away. I would have given 0 stars but that is not an option.

Just received a letter to advise they are going to charge a $3 fee for a paper bill... Rip of for low income people. They advise to avoid this fee download and print off copy... So many people do not have computers or printers particularly low income and pensioners... SHAME ON PEOPLE'S CHOICE taking advantage of people. Show details

Where to even start, the online application for credit is apparently all they need for your consent to submit an application even though most of the application and questions you'd have for them can only start once you start this. The waiting queue to call back function just doesn't work, they call and instantly hang up before you can answer. I… Read more

was wanting to ask questions regarding borrowing power and one of their novice bankers just submitted my application without checking with me first then a supervisor tells me there is nothing they can do. In the end I find out I can't even refinance my current loan with them even though it would save me more than $150/ month as it seems I couldn't afford to. What a joke of a company, avoid like the plague. The only people who seem to know what they are doing there are vastly outnumbered by those who are clueless. To the 1 single person of the many I spoke with who actually knew your policies and guidelines you were a saint.

People's Choice is the most horrendous credit provider of all time. I have never experienced such an unpleasant, dreadful experience in my whole life. If anyone is planning to switch to People Choice, please do yourself a favour and save your valuable time. They take almost two months to review documents, and again keep asking for the same… Read more

documents over and over again. There should be negative stars to rate these. I am not surprised to see the no of bad reviews online. Avoid Avoid Avoid

Heritage Bank Qld owned and was fantastic.. People's Choice isn't for its members at all when deciding to close down busy regional banking agencies ..shameful.after 25 years ill be switching...People's Choice owned by members run by a selfish CEO Show details

Avoid at all costs. They'll make you jump through hoops and mess you about, send you to customer service representatives that don't speak english very well and then find technicalities to deny you for credit or loans. Long term customer here, they've really gone down hill in the last decade. AVOID AVOID AVOID. Show details

There is no branch. It was really difficult to deal with. Could hardly get a hold of anyone from the bank. Avoid this credit union if you are looking for a home loan.

Finding a new bank ASAP ... this is ridiculous ... sort your [Content Removed] out ... why should we all be getting charged late fees for our direct debit bills, because you can't figure out your online issues it's day 2 of this [Content Removed], it's not good enough !!! Show details

Online, Mobile Aps & in branch all not working for transactions, inaccessible..!! How in the age of technology are people being locked out of their accounts in the middle of the week..Likely a pay day & cannot access to do transactions, change passwords or pin codes.... Is another disappointing decline of services from this credit union.... Defiantly time to look at changing. Show details

My husband and I were given a conditional approval for a car loan and jumped through hoop after hoop to provide all of the information that they asked for to have them tell us we had not been successful two weeks later. During the process we were asked to provide information that we had already provided on more than one occasion and the people's… Read more

choice staff that we spoke to seemed to have little competence. We were told that we "had not met their lending criteria" but that they would consider providing a car loan if we refinanced our home loan through them. They would not provide any information about which criteria we hadn't met. To apply for the loan, we were told that we both had to be People's Choice members and were forced to open bank accounts with them. This has been a disappointing waste of our time. We will be cancelling membership and accounts opened. I would NOT recommend them to anyone and would give zero stars if that was an option. Poor customer service. Lengthy, unorganised and incompetent process.