St George Car Finance

Awful experience with them selling off their car financing to Resimac. Little to no communication, no confirmation of balance when transferring across or even paperwork confirming the transition had occurred. I have no other accounts with them and wouldn't choose to, based on this experience.

3 days for a Statement – After calling these donkeys and requesting a statement so i can refinance my loan to then be told it will take 2-3 business days to receive my statement due to the email department being so busy. I called on a Wednesday and requested i need it urgently witch they told me to call back on Friday so they can push it through, after two phone calls on… Read more

Friday saying i will have it by end of business and that its been escalated on both phone calls. Now its Saturday and i haven't received. I did ask why it takes so long to send a statement via email, the answer to that is it gets sent offshore for another department to generate a password protection before the can send it.

Worst service ever…

No access to customer information, poor call centre, worse portal – I called 8 times Requesting a payout figure. Call dropped out 3. Was transferred to another department all 5 times. Was promised a payout figure letter by email. Never received it, the cycle continues calling them back. They also can’t explain why it’s not available on the portal. Apparently my loan expired and they have reported me to the credit bureau despite my inability to receive my quote on pay. Show details

Good customer service – I personally had very good experience with their customer service . They always got back to me on time and resolved few issues I had on both my loans.

St George Car Finance were the ones to take up our car loan back at the tail end of 2018 – At the time they gave me a competitive rate on finance which was much appreciated. Having had to speak to them so over my loan term I've had nothing but a great experience, even when paying out in full my car 1.5 years early they were willing to waive the fees associated which I know shouldn't be expected but they offered this as part of my… Read more

payout. Everyone I've spoken to when needed have been really helpful and knowledgeable on what I needed. In terms of calling them the maximum I was on hold for was less than 5minutes.

Would do business again.

Good experience – Plenty of negative reviews but I have had the best experience with St George. 5-years loan paid out in 2 years but surprisingly they waived all the early exit fees + admin fees. I just had to pay the remaining balance and interest ($6) for the days post last repayment. Very happy indeed! However, they can improve phone wait time.  Show details

Beyond pathetic – As an exisiting customer I spent nearly 2 weeks trying to get hold of their lending department to get another loan. Portal non functional, phones ring endlessly, closed office messages during office hours, online forms that never get responded to. After 2 weeks I finally reached an offshore call centre who tells me they have sold their lending… Read more

devision. Despite still being advertised on their website, still requesting online applications and still taking my repayments every month. They could not have fallen shorter of my lowest expectations if they tried to.

Never Again! Unreliable and useless – The portal! Where do I start? Absolute rubbish! 4 years with this useless site and I can count on one hand how many times it actually worked. Gaging by the plethora of negative comments, you must be aware of how terrible it is, yet here we are… No updates, no change. How ignorant. I would rather put soap in my eyes than recommend you to anyone. Never again!

Be aware of these scammers – After reading the other reviews I feel I am in the same place. The interest is horrendous and set up by the car dealer James Frizelle. I know it is buyer beware but the terms are not explained properly and there is no mention of a payout to exit early. The interest is horrendous. To exit now with about one year to go there is a loan break fee of… Read more

over $1500. What is that seriously for?

No statements - I guess this is so you don't see how much interest you are paying. A client portal that does not work. I am not even sure these guys are part of St George or Westpac for that matter. So completely unprofessional. Feels more like a loan shark - STAY AWARE FROM THIS COMPANY AT ALL COSTS.

WORST PORTAL EVER! – Trying to access the client portal to get a simple balance figure is just ridiculous!! Every time I try to access the portal I am told my password is wrong, this is despite saving it each time I have actually managed to gain access (which is not often). Even their 'forgot password' doesn't function. It takes you to another page asking for some… Read more

details and (if it doesn't automatically refresh before you've entered the details) it doesn't often send through a new password. On the off chance that it does send through a temporary password, it still won't allow you to log in ("password incorrect"). It's a joke! I have spent the last 30mins trying to access the portal just to get a balance. I have tried 2 different internet platforms (safari and chrome) and 2 different devices (laptop and phone) - still can't log on! Can not wait to pay off this loan so I never have to access this portal again! That's if I can actually log in to get a pay out balance!!!

Terrible! – Would give 0 if I could, can't access any loan statements online and after searching online the same issue has been around for 3+ years. Have tried contacting on the phone only to be on hold forever and then be sent between departments with no one taking responsibility Show details

Grade A Scumbags – I got this dog trash loan from a car yard and thought i could refinance it to something better later on, if you have children you are instantly struck off from any refinancing regardless if you can pay it and then some or not(not st george just the status quo of the entire industry) i get paid monthly, so wanted to pay my payments monthly , the… Read more

woman i spoke to was a right moron and didn't want to help in any way at all, said they would be worse off and i would be violating my contract. Absolute Horse trash!

steer clear of these fools at all costs.

Absolutely Terrible. Worst Service Ever – If you're thinking about doing business with St George, Bank of Melbourne or Westpac I advise to stop. Rethink, take your business somewhere else. I've spent a total of 9.5 hours on hold with St george this week. Minimum wait time to speak to somebody is 45 minutes. Max so far is 1.5 hours. They do not care at all about their customers. I'll be moving all of my bank accounts away from Westpac ASAP. Show details

Worst Car Finance Ever – After reading the other reviews I feel I am in the same place. The interest is horrendous and set up by the car dealer James Frizelle. I know it is buyer beware but the terms are not explained properly and there is no mention of a payout to exit early. The interest is horrendous. To exit now with about one year to go there is a loan break fee… Read more

of over $1500. What is that seriously for?

No statements - I guess this is so you don't see how much interest you are paying. A client portal that does not work. I am not even sure these guys are part of St George or Westpac for that matter. So completely unprofessional. Feels more like a loan shark - STAY AWARE FROM THIS COMPANY AT ALL COSTS.

Get some staff on the phones – Waited on hold for 45 minutes on Friday 12th November and then told no one can take your call and was cut off. On Monday 15th November I waited 80 minutes before being answered. All I wanted was an early payout figure! Show details

Never ending dread... NEVER AGAIN – Horrible customer service, no clear way to contact, refusal to give statements, ridiculous payout fees. I have tried relentlessly for 5 years to get my online portal working so I can keep up to date with what I owe and make additional payments. Apparently 'some customer's portals just don't work'... And the best part? Offering statements isn't… Read more

part of their policy, so good luck finding out what you owe! I have been contacting for a month with no response. All I need is a statement to see how quickly and painlessly I can end this pathetic car loan. Absolute piss take of a company. Go literally anywhere else.

Absolute crap and slow – What a joke, with a good salary and expenses much lower to save up over 35k a year.. I do not have serviceability according to their calculators.. offering long loans with very high comparison rate, they sting you with loads of fees that make no sense, only that they make a large profit from it, $1000 for the loan itself and then $1500 if you try to exit the loan early, beware this dodgy company. Show details

Unreasonable process for missed payment – Unreasonable manner in which they deal with a missed payment and then affect a credit rating. Especially cruel post-covid difficulties. I will Never again use St George for finance again.

How long do we have to wait on the phone for an operator to answer seriously no customer service at all Fix your crap – Haven't had the chance to experience anything no one picks up the phone hire more staff absolutely appealing service to have to call back on more than one occasion and told to wait 15 minutes

Poor service and absolute rip off – I recently attempted to refinance a motor vehicle lease balloon amount of 48K I had with St George Asset finance. I had the original lease with them too for 5 years with perfect payment history / no defaults. With about 2 weeks to go before the balloon payment was due I contacted them and they agreed to keep the interest rate at the same level as… Read more

original lease for the balloon, so I asked them to proceed with the loan process, from here it got really messy as they wanted everything resubmitted for the new application, all financials, bank statements, trus deed etc. Fair enough I thought as it was I guess the new tighter financial regulations. The communication back was virtually nil, in fact several times I had to email and never got a reply for a day or two. They also had a issue with the trust deed as the certified copy did not have the full name of the certifier rather initial of his first name. 2 days before the balloon was due they sent me the new loan docs, I noticed that the early exit fees were horrendous..3 months loan payments + $100 admin fee + a open break fee that when asked was told it could be between $1 to $4000! So potentially if I terminated / paid out the loan I would be up for about $7500 in exit fees plus the loan balance. The loan interest over 3 years was only about $3700. Needless to say I didn’t run with them, In fact as St George are part of Westpac I will be seriously considering moving all business banking away from them .

Vague “Break out fee” – This review is for St George Financing, not St George bank, who have very different fees. I knew there was a payout fee, but what I didn’t realise is that the ‘Break out’ fee is calculated on how much is still owing, rather than a set ‘payout fee’. The more owing, the higher the break out fee (over $700 for $18,500.) Daily interest is much higher… Read more

than if you got a personal loan to buy a car through a bank. My advice- get a personal loan if you can (St George bank only charge $150 for early repayment fee).

Pawn brokers – Their business model seems to revolve around smoke, mirrors and misinformation during the application process. They refuse to supply account statements explaining that its “not their policy”. I imagine this because they don’t want remind you of the financial prison you’re in with their ridiculously high interest rates, fees and early termination penalties. You’ll do better ANYWHERE else, avoid at all costs. Show details

Excellent experience! – Read your contract ,get informed properly and ask if you don’t understand something ,only hidden cost come from Dealership financier not from St.George Bank itself. There is a monthly banking fees like everywhere else ( cheaper then other banks), establishment fee and early termination fee but every single bank/financial institutions does have… Read more

exactly the same rules. I had issues with receiving password but as soon as I rang customer service everything got sorted out in less then 7 minutes . Got my car , after that I received letter from St.George about my first repayment date. I have no idea from where all those bad reviews coming from , stop scaring people with untrue experiences!

Extremely poor customer service! – Applied to St George for a car loan as our existing loan was already with them, sent through documents they told they needed, heard nothing for 5 days (this did include a weekend). Rang again at the start of the week was informed they needed more information which was provided following day, asked how long reply would said couldn't tell us that… Read more

as they were extremely busy. Two days later rang again was again informed it was with the credit department couldn't tell us when it would be approved. This is 7 days after applying, finally gave up & went to another loan company and reply was less than 24 hours. Sorry St George you lost a customer, terrible service, lack of call backs. Also laid 3 complaints while this was progressing about the lack of information & contact coming back to us. Disappointing service!

Screwed for life – St George bank has screwed me lifetime. I am paying 42k for a 25k car over 7 years. What a joke ? My first mistake was to get car on finance but they are supposed to explain the customers what it's like to get the finance ? My life is literally screwed until 2023. Please do not get finance from these guys at all. At all means at all. Think 100 times please Show details

Worst finance – Firstly car had been written off. took 28 days for car insurance to get payout figure and settlement (because St George not replying to requests) Then being $900 in credit told told stop making payments. Then finding out when insurance was paid to finance that payment incurred a $450 early payout fee where the rest of the loan is still owing As… Read more

well as “balancing” the loan and paying the $900 credit into the loan so credit was at $0? (Didn’t pay out the loan early) and now we have made an application with a Shortfall agreement company and they have tried to contact St George 3 times prior within two weeks to ask for a payout figure while the account is still accruing interest. We have had to arrange for the figure to be sent to us as their negligence to even run a company properly is costing me. Never ever will I even look at St George

Thank you Locklon from St.George your HELP – Thank you Locklon from St.George your HELP and kindness and understanding was GREAT :-)I'm very happy with my outcome..God bless 10/10 for ur help today..the phone cut off when we said bye so I'm posting this. Show details

Hidden Fee's in everything – Ok first they use the car companies for getting your business, the car company asks for a deposit, they only tell you the interest rate not the comparison rate and they prey on those that think their credit is not good enough by offering long loans with very high comparison rate, they sting you with loads of fees that make no sense, only that they… Read more

make a large profit from it, $1000 for the loan itself and then $1500 if you try to exit the loan early, beware this dodgy company.

Unprofessional institution – Do not deal with this finance company, there online system is a joke, the call center keeps you hanging on for 30 minutes before someone answers. Interest rates are daylight robbery! My vehicle has $58.00 owing on it currently as I always paid in an extra amount but the contract finalizes in April. They want to sting me an extra $150.00 for… Read more

settlement instead of allowing me to settle the small amount owing. Terrible company with arrogant staff! Never again!

Just...DON'T! – Just...DON'T. There are far better lenders and offers out there. Don't be pushed by the car yards into purchasing a vehicle financed by them. Never seen anything like it and any systems and service is almost non existent. A dinosaur of a bank that will be gone soon. Show details

They will rip you off – We got finance for a brand new car we began paying on the week they said and we pay like $20 extra a fortnight and when we had our first service due right on Xmas we rang to see how much in advance we were only to be told we are $76 in arrears because we pay on the wrong week like seriously WTH would not recommend them Show details

Debt Slavery – My words of wisdom is that always pay cash upfront for a car and for the whole amount never take out a car loan. I have made such an idiotic mistake getting a car and that thru St George. Can't wait to pay of this toxic loan with st George and be debt free finally!!! My loan is underwater because I rolled negative equity from my previous car… Read more

loan...even if I was to sell the car it won't be enough to clear the loan. So to maje this review short don't get a car loan its goung to be the most stupid financial decision you are going to make!!!!!

What a shitshow. St George sold the car finance to an even more useless mob callefResimac. Nothing but a headache. Avoid at all cost!!!