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.
- Verified customer
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 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.
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 settlement instead of allowing me to settle the small amount owing. Terrible company with arrogant staff! Never again!
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.
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
Absolute scam artists
Well where do I begin....
I missed one car payment and they kept that pretty hush until the default fees grew to over a $1000! Not one statement sent out nothing! Not one phone call or letter to say I've missed a payment.
They also slapped $500 onto the bill to send a collector out. Absolutely disgusting. The man that came to collect the car said that so many people have reported this same issue, missed a payment and you will get slapped with $90 default fee every month. St George waited 11 months to finally contact me to say I was behind. WHA...
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 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!!!!!
Would give 0 star if I could!
An absolute joke of a finance company! I have been trying to refinance with St George for a lower interest rate for almost 3 weeks. Never returns emails or calls! Disgusting customer service and their online portal is a joke.
Similar sentiment to below comments
took finance out through a car dealership and found this to be one of the lowest rates around so bit the bullet and took out finance for the first time ever (paid remainder of vehicle in cash). I wish I had have spent more time checking the fine print as the charges from the get go were outrageous (my fault) and after reducing the 5 year loan down to 6 months and have paid the final amount expecting there to be the usual early termination fee which was around $150 as stated, they are now claiming break out costs which are determined by St Georg...e based on their losses. After speaking with them they declare this figure is about $15 a month across the remaining life of the loan (56 months). Please make sure you do your homework before taking out a loan and ask questions relating to early termination fees as they don't disclose the dollar figure the termination could/will cost you.
Rip off merchants
Never again will we be using st George again.
Never got any kind of statements always had to call them for balances.
Payed loan off early then to be told by st George we owe $436 to close account.
Total rip off merchants
People look elsewhere please.
We were charged obscene interest amounting to over 3 K when we took out a pay no repayments for 1 year car loan
In January 2015 we purchased a new Holden Trax SUV and were enticed into a make no repayments for first year car loan with St George Automotive Finance. We had no access to any statements online or via post for that first year. We decided to sell our 2nd car in November 2015 and then pay off the Trax loan in January 2016. It was only in January 2016 that we found that we were charged obscene interest weekly over that 2015 year that amounted to over $3000.
There was no honesty in our dealings with St George Automotive Finance and if we knew that we were paying this interest during the first year, we would have looked elsewhere for a loan in the first place.
They’ll tow your car away if you miss a payment
3 missed car payments over 6 years - instead of contacting me they towed my car away to auction off at Pickles car auction. St George did not link my new contact details so they had old details. Worst company ever to deal with. It’s illegal to tow someone’s car without leaving any details which they also didn’t do. I thought my car had been stolen. One missed payment and you’ll find your car at the auctions !!
Would give 0 if i could - HORRIBLE
I will never, ever recommend this thieving company to anyone. They FORCED me into getting finance on a car threatening that if i didn't go ahead with it, they would destroy my credit file, mind you i was only a 19 year old trainee on less then $500.00 a week JUST looking at the options.
The car i received was a lemon, completely written off within a month of getting it, couldn't even drive it, No one helped me when i was paying for NOTHING. They forced me to pay hundreds per week to "settle" the loan using threats. All they do is threaten and threaten. HORRIBLE! Ill be so glad when this is done in a couple of weeks, im putting myself by giving them my entire wages for the next month to settle the loan just to be done with it.
DONT EVEN DESERVE 1 STAR. BY FAR THE WORST COMPANY WE HAVE EVER DEALT WITH.
Have had nothing but constant issues since day 1 with St George, and still ongoing!
Now this isn't just from a one off bad experience, this is EVERY experience we have had with St George, on a regular basis.
Appalling customer service, rude & careless.
Dodgy & overcharge. Ridiculously high interest rates
Hidden fees & charges that they don't tell you about
Always making mistakes
- Verified customer
I’ve found St George to be a rip off and in partnership with the automotive dealer which did not make the agreement clear on purchase date. The rate of 14% was not shown & the surprise $5.95 admin fee per month is not a service whatsoever. Never ever ever again will I ever use this company or service.
Also I have requested to refinance the loan and extend the loan to make the repayments lower (in which they will still receive the same amount) but they won’t refinance if the loan amount is higher than the value of the car. Not user friendly and as above definitely not recommended. Bring on the way Tesla operates and sells there cars.
Worst experience I have ever had! Can't change payments to weekly, you can however stop direct debits and transfer money in weekly but they won't tell you the payments as financial months vary from 4-5 weeks and if you pay too much you get slugged with an early payout fee as well.
We had vehicle finance 5 yr loan csr unhelpful, asked for statement never received. Asked for financial hardship declined & never sent letter of never called when payment didn't go through no letters or emails confirmation gave no other payment arrangement nor assistance to refinance discussing never ever recommend to anybody hidden fees & charges sent repo several times added & added to hardship then not knowing about balloon repayment untill 4yrs later still owing 43000 + interest car value 50000- 2014 & ripped sneaky lying .. off my daughter...same way Suttons home bush & no car place will buy back car with balloon repayment or tradein ripped off today we voluntarily surrender car after 250.00 weekly x 4 yrs should own car bye now. I asked for letter in writing of no other options for repayment we will see if we get it unlikely will be submitting to ombudsmen financial services. Payment offer repayments were 1800.00 fortnightly discusting unreasonable will not be paying off bankruptsy only way to go!
Questions & Answers
I have been trying to get in contact with someone on your 1300 364 157 number to find out why my secured bike loan says an amount in the arrears column when there has never been a missed payment, 3 times now rang been on hold for 35 mins plus and just gets disconnected very furious at your crappy service St George have had three car loan and a bike though you bank will be looking elsewhere now
I have finance with you for my Holden Trax car .Could I please put it on hold , I am not working at the moment.
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