Alphera Financial Services Reviews

Ratings based on 40 reviews Last review 1 month ago
2.32 / 5Average overall rating

Alphera Financial Services provides innovative vehicle finance solutions in over 20 countries worldwide, including the USA, South Africa, Australia and Germany. Smart Money People is the place for Alphera Financial Services reviews. Read and write...

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Alphera Financial Services provides innovative vehicle finance solutions in over 20 countries worldwide, including the USA, South Africa, Australia and Germany. Smart Money People is the place for Alphera Financial Services reviews. Read and write reviews to help increase trust and transparency in Financial Services.

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Your Alphera Financial Services Reviews (40)

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21st August 2020

No logic

Wanted to refinance my car after 4years because my finance agreement comes to an end next month and I couldn’t do it because mileages on the car was too high. Where is the logic? If I want to keep the car so what difference mileages makes for the c...

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Wanted to refinance my car after 4years because my finance agreement comes to an end next month and I couldn’t do it because mileages on the car was too high. Where is the logic? If I want to keep the car so what difference mileages makes for the company? Is it better to now look for another buyer? No sense at all.

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12th July 2020

Help?

Have a car through Alphera finance . Wish I had read the reviews. Cannot use the car due to the oil light coming on. It's had several litres of oil, new oil filer, and other things. Alphera won't cancel the contract, and the car Can t be used. So rude.

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Have a car through Alphera finance . Wish I had read the reviews.
Cannot use the car due to the oil light coming on. It's had several litres of oil, new oil filer, and other things. Alphera won't cancel the contract, and the car Can t be used. So rude.

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25th June 2020

Wow they are certainly not on the customers side

Dream car ordered with PCP agreement, brand new, straight out of the factory the door shuts and bonnet are out of alignment, the car rear quarters and boot have had paint rectification with overspray, rough masking...

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Dream car ordered with PCP agreement, brand new, straight out of the factory the door shuts and bonnet are out of alignment, the car rear quarters and boot have had paint rectification with overspray, rough masking edges.
The dealer (Jardine Motors / Lancaster of Cambridge) took the car back to rectify paint issues but made matters worse by buffing through paint in three places and staining an alloy meaning it needs more respraying which was the last straw on a brand new car.
An experienced independent engineer also identified paint thicknesses ranging from 120-290 microns and a few other issues, so the car was rejected within the statutory 30 days.
Alphera agreed rejection on 8/6/20 and then on 15/6/20 changed their mind because Lancaster suddenly developed amnesia and "had never carried out corrective works" on the car, nor were they aware of any other issues being reported, even though the dealer principal was there when I collected the car from being in their bodyshop as he has apparently taken video of me without my knowledge or permission.
Dont worry though we have the emails, whatsapp messages and mobile phone records etc to prove they knew and had accepted responsibility which are with counsel as we speak.

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15th June 2020

Completed finance but they registered 2 missed payments.

At the beginning of April I arranged collection of a car after the PCP agreement completed, due to COVID they were unable to collect until mid June, they have finally collected but I had to tax and insure the car to cover for 3 months. I recieved a...

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At the beginning of April I arranged collection of a car after the PCP agreement completed, due to COVID they were unable to collect until mid June, they have finally collected but I had to tax and insure the car to cover for 3 months. I recieved a request for payment for excess mileage on the same day thay I recieved an alert that they had tanked my credit rating by 200 points for missed payments they are not due.

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2nd June 2020

They are CRIMINALS

I have lost all my hope!!!! This people are CRIMINALS, bought a FAULTY BMW from Henley Cars. 8 Days after the car broke. I took it to service to make a report of the faults they found OVER 30 FAULTS with the car. By LAW I am entitled to a complete...

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I have lost all my hope!!!! This people are CRIMINALS, bought a FAULTY BMW from Henley Cars. 8 Days after the car broke. I took it to service to make a report of the faults they found OVER 30 FAULTS with the car. By LAW I am entitled to a complete refund. When I provided the document to Alphera, they disappeared and started to ignore me completely. I still pay monthly for the car to Alphera , lost ALL MY MONEY and have a BROKEN CAR. My LAWYERS are in shock and state that what they do is ILIGAL!

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22nd May 2020

Avoid avoid, SCAMMERS Do not take FINANCE WITH THIS.

I have a car Finance with this company, and I’ve been paid 5 months 163 per month, and turns up i have paid only 330 to the capital and 490 to the interest coz the interest strats very high, I wanted to settle early and they told me i need to pay a...

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I have a car Finance with this company, and I’ve been paid 5 months 163 per month, and turns up i have paid only 330 to the capital and 490 to the interest coz the interest strats very high, I wanted to settle early and they told me i need to pay another 182£ on top of that. Scammers never send me anything about the way sharing the interest.
AA FINANCE SOLD ME THIS. AVOID

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22nd May 2020

AVOID AVOID AVOID AVOID AVOID.

PLEASE PLEASE PLEASE PLEASE PLEASE AVOID THESE ABSOLUTE COWBOYS!!!! Purchased a car from a VW dealer with a fault. Sent the car into VW and they replaced a wheel bearing. Fault was still present on the car to be told it was a characteristic. 3 months...

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PLEASE PLEASE PLEASE PLEASE PLEASE AVOID THESE ABSOLUTE COWBOYS!!!! Purchased a car from a VW dealer with a fault. Sent the car into VW and they replaced a wheel bearing. Fault was still present on the car to be told it was a characteristic. 3 months later the financial ombudsman have agreed in my favour. Alphera have no clue on the UK law. They have also now stopped replying to the Financial Ombudsman!! absolutely awful company. Now left with no car to use and no response. AVOID AT ALL COSTS. IF SOMETHING GOES WRONG YOU'RE ALONE!!!!

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21st May 2020

Great Underwriting Team

I Have been with Alphera for the Past 18 months they financed my Maserati originally, I approached them through a dealer one day ago to get another car and change my current one, The underwriting team sorted it really quickly as My married name was...

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I Have been with Alphera for the Past 18 months they financed my Maserati originally, I approached them through a dealer one day ago to get another car and change my current one, The underwriting team sorted it really quickly as My married name was not showing up on my credit report. My score was low because of my change of name and all of my accounts wasn't reflecting on my credit reports. They understood and it was sorted, great, efficient, and professional and they treated me like how I expected to be treated as I never missed a payment with them. Thanks for showing your Loyalty to me again. I will stick with you for a while.

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18th May 2020

btc

I can’t believe this happened to me because i just decide to give it try, I was reading about cryptocurrency because i am really interested in investing in cryptocurrency because from the books i’ve read…The digital currency is the future, I saw the bi...

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I can’t believe this happened to me because i just decide to give it try, I was reading about cryptocurrency because i am really interested in investing in cryptocurrency because from the books i’ve read…The digital currency is the future, I saw the bitcoins price and it is way too steep for me financially so i had to read some books about trading because that’s the only way to acquire bitcoins since it’s high. I tried to trade on my own but didn’t go through then i began to look for a trader online. I got to a forum on youtube and i get to see everyone giving testimonies of how the Mr William lee helped them trade bitcoins in less than 3 days. I read some reviews on youtube and i decided to continue doing my research, I got to a forum on disqus and other websites as well and i couldn’t get enough of the Mr William testimonies. I am just seeing his emails everywhere and how he help families and more. I decided to give it a try and had to go for his lowest package at first because i am nervous. Then Mr William lee help me trade 1.3223 btc in less than 4 days and i am ready to invest the whole 1.3223 btc with him again so i can get 6 BTC. I just have to drop this here because i saw his info online and i am on my way to be financially free for the rest of my life. I don’t want to be selfish…. You all should contact Mr William below via email leewilliam664@gmail.com and he will get back to you in no time. You will thank me later for this great info whatsapp +14086012169

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12th April 2020

No help whatsoever during Covid-19 pandemic

After numerous calls and emails to try and arrange a payment holiday during the Coronavirus crisis I finally got through only to be told they don’t give payment holidays and that I’d have to give details and they will decide how much I can drop my pay...

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After numerous calls and emails to try and arrange a payment holiday during the Coronavirus crisis I finally got through only to be told they don’t give payment holidays and that I’d have to give details and they will decide how much I can drop my payments by but surprisingly enough Alphera financial services in Republic of Ireland give their customers a payment holiday within 5 minutes online. So absolutely disgusting, shame on bmw.

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8th April 2020

Great customer service fro Nicola

I called today to see what help I could get from Alphera during the Covid-19 pandemic. Nicola was the name of the customer advisor that took my call. Nicola was so lovely and made feel at ease. She was understanding of the my situation and helped me...

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I called today to see what help I could get from Alphera during the Covid-19 pandemic. Nicola was the name of the customer advisor that took my call. Nicola was so lovely and made feel at ease. She was understanding of the my situation and helped me out straight away. As a result I would definitely recommend Alphera in the future.

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12th October 2019

Wont return my money after loan repaid

My finance which was always paid in full and on time was cleared when I purchased a new car. Despite Alphera receiving and cashing the cheque they failed to apply the funds to my account. They then took another months direct...

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My finance which was always paid in full and on time was cleared when I purchased a new car. Despite Alphera receiving and cashing the cheque they failed to apply the funds to my account. They then took another months direct debit.

Despite fully admitting they need to refund this money they are using all manner of excuses to avoid doing so, so I have now had to turn to the Financial Services Ombudsman for help.

Total joke of a company that willingly lies to you over the phone. Avoid at all costs.

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8th October 2019

Worst Customer Service I have ever experienced.

I was sold a faulty car by this company, I first complained nearly a year ago. Despite winning a case with the financial ombudsmen I am still awaiting for the company to uphold their decision, despite constantly chasing them....

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I was sold a faulty car by this company, I first complained nearly a year ago. Despite winning a case with the financial ombudsmen I am still awaiting for the company to uphold their decision, despite constantly chasing them.
Obviously, once you no longer owe them money, then you are no longer a priority. I would think twice before choosing this financial provider as when something goes wrong, it's incredibly hard to get it rectified.

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10th July 2019

very slow, do not refinance

I was with Alphera for HP for 4.5 years without a problem until I decided to sell my car and buy a new one. They were quick to quote on the outstanding balance and the refinance for the new car. However, after I paid my loan off, I was unable to sell...

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I was with Alphera for HP for 4.5 years without a problem until I decided to sell my car and buy a new one. They were quick to quote on the outstanding balance and the refinance for the new car. However, after I paid my loan off, I was unable to sell my car as it still showed outstanding HP. Phone calls back and forth and still not settled. Wonder when it finally shows that I did pay it off and to be able to sell my car. Waiting game.
It's been 10 days since I asked to refinance my car. Only the person who deals with my case can handle everything and is not in every day. I was getting so frustrated with their snail like pace in processing my finance that I decided to get a loan from the dealer with the same APR. This was dealt with withing 15 minutes and I can now collect my car.

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2nd July 2019

Stay away from this company

Sold a faulty car, financed through Alphera. Told them in writing that I wanted to terminate contract as retailer took 108 days to repair my car which still isn't fixed and has 1195 extra mileage on the odometer since being in the garage. Refused to...

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Sold a faulty car, financed through Alphera. Told them in writing that I wanted to terminate contract as retailer took 108 days to repair my car which still isn't fixed and has 1195 extra mileage on the odometer since being in the garage. Refused to terminate because apparently I only let them and the broker know and not the garage. Contract is with Alphera not the garage I bought it from so no idea why they feel that is valid anyway. They take forever to respond, on hold for half hour at a time. They do not listen to your problems, complaints or situation. Mileage restrictions on contract without proof of current mileage at purchase date. Neglecting, inconsiderate, unprofessional, contradictory and slow to respond. They are Happy to take your money of course.

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22nd May 2019

Buyer Beware

I purchased a new car with this company 4 years ago. Payments were always made before they were due online everything was going great. I was working two jobs then I fell and crushed my ankle had to have surgery and things changed for me. After my...

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I purchased a new car with this company 4 years ago. Payments were always made before they were due online everything was going great. I was working two jobs then I fell and crushed my ankle had to have surgery and things changed for me. After my surgery my health got worse and I had to file bankruptcy due to medical costs. The car financed through Alphera Financial Services was not included in the bankruptcy - they just had to be notified. After being notified, Alphera immediately locked me out of their website so I couldn't make online payments; they refused to send me invoices or statements and when I called to make payments they charged me a nice size processing fee. I continued writing and calling in an attempt to regain my online privileges, but they wouldn't allow me to be back on. I had to continue making my payments via telephone while paying the large processing fee. In October 2018, I purchased another car and used this car as a trade-in. The new company paid off the remaining balance and I had Alphera owed me a $136.00 refund. They refused to reimburse me the money owed; so I had to file a complaint with the Attorney General's office who made them reimburse my money. All I can say is consumer beware of this company.

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19th March 2019

A shocking company who should be checked for doing so many things wrong

I wouldn't recommend this company to anyone. I wish I had read your reviews on this company and would never had gone with them had I done so. I've suffered so much financially! They get second hand car dealers to sell their products, these staff...

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I wouldn't recommend this company to anyone. I wish I had read your reviews on this company and would never had gone with them had I done so. I've suffered so much financially! They get second hand car dealers to sell their products, these staff tell you the wrong things. They talk about allowing you to appeal and then they've already made up their mind. They don't see the cars being sold with all their faults, nor is a report completed at the beginning and yet they expect you to return the car in completely unrealistic condition. Watch out for the credit charges on top of interest. I was landed with a hefty bill at the end!! AVOID AVOID AVOID!!!

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