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Alphera Financial Services: Alphera Hire Purchase reviews

Name: Alphera Hire Purchase
Rating: 1.95 (55 reviews)

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1.66

Based on 55 reviews, last reviewed 26th Jun 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

20%

2 star

74%

Latest highest rating:

5

Great service I have always received great service from Alphera, just signed a second deal with them. It’s nice to deal with a large financial organisation that und... Read more Reviewed on: 8th November 2021

Latest lowest rating:

1

AVOID AVOID AVOID AVOID AVOID AVOID , whatever you do please go to your Bank , online loans or any other loan provider before using these cowboy's, they should be close... Read more Reviewed on: 26th June 2025

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About this product

Alphera Financial Services car finance reviews can help drivers like you to find out more about Alphera Financial Services before you take a loan to buy that next car. Alphera Financial Services car finance reviews on Smart Money People are written by drivers like you to help other drivers find the best car finance company for them. Smart Money People is the UK's leading financial services review site, so join us today by writing your honest review. Together, we can make financial services work better for everyone.

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Alphera Financial Services Alphera Hire Purchase reviews (55)

AVOID AVOID AVOID

AVOID AVOID AVOID , whatever you do please go to your Bank , online loans or any other loan provider before using these cowboy's, they should be closed down I don't know how they get away with it Reviewed on: 26th June 2025

Awful company

had no choice when came to useing these guys when got my new car as my dealer only used them. But been very interesting and difficult experience for me. Very difficult to get through talk to someone. Don't reply to emails. Very unhelpful when comes to trying pay settlement off and don't check thier accounts properly. Reviewed on: 19th February 2024

Abusive fees

Very unprofessional company, very rude abusive fees, scammers!!! Avoid. They don't know how to talk with people on phone they sound like retardinho Reviewed on: 10th May 2023

Policy changed without customer being made aware and rude staff

Saj I think he’s name is as I couldn’t understand him at all, Linda and Zoe (executive apparently) not sure how she’s very rude and if you try to talk she will terminate the call. I would ask everyone to call and request your settlement figure via email Reviewed on: 28th February 2023

2 weeks to process a refund, a joke of a company!

Long story short, there was over a thousand pounds overpay on my statement, it took them two weeks ‘to investigate’, took me over 10 phone calls to finally get a refund from a person that finally took pity on me a processed it within 10 minutes, 10 minutes that’s how long it took and I’ve been fighting to get my money back for 2 weeks, while being constantly lie to - oh yeah you will get it tomorrow, next day? Oh yeah sorry my colleague made a mistake and it’s gonna be tomorrow, and so on for two weeks. Avoid this company as much as you can! Reviewed on: 22nd February 2023

COWBOY COMPANY RUN BY USELESS TOSSERS

The absolute worst company I have ever dealt with. So rude, so thick as they don't seem to understand e mails, don't understand telephone conversations. In fact they are useless. DO NOT TAKE FINANCE WITH THIS COMPANY. YOU'LL REGRET IT Reviewed on: 21st February 2023

Worst Service Ever

They don't answer any calls or correspondence requesting settlement. Rogues Reviewed on: 21st February 2023

Transphobic and Discriminatory Staff

Transphobic Team promoting hate against LGBT+ individuals I have had a Finance Agreement with Alphera Financial since 2020 never missed a payment due to my job i was abroad working i transferred my car into my family’s member name who is also on the insurance incase if i was killed abroad as i went to work in a war ridden country. Alphera Sent me a letter while there have been numerous postal strikes and post being late they ask me to ensure the V5 is on my name and send proof of insurance the letter was dated on the 18th of Jan i got the letter on 9th of Feb, the deadline they gave me was until the 7th of feb as only two days difference i called them about 100 times there lines was closed i immediately took steps to rectify the problem i changed the car back and sent then all the required documents they agreed to review it with a manager i disclose to them i am also trans and i am starting to transition to a transgender at this point this discussions took a complete turn they are a bunch nasty disgusting racist discriminatory individuals they decided to terminate my contract because i breached the terms and missed the deadline by two days and now they intend on ruining my credit and my life by reporting it on my credit as default and i never missed one single payment of 696.00 a month I cannot believe they are allowed to get away with this and the UK government and regulatory authorities give these people the power to inflict harm abuse and discrimination to innocent members of society shameful Reviewed on: 15th February 2023

Con Merchants

I returned a car on PCP from Alphera and was told that I had no mileage cots as i was well under my allowed mileage so could return car with few hundred pounds for wear and tear. After returning car I then received an invoice few weeks later requesting £980 for excess mileage. After ringing them they confirmed that this was a mistake as they have listened to original phone call and a manger would sort it out and get back to me . After a month I recieved another invoice for again980m and rang to discuss this where i was told this is not a mistake and i must payy this so i raised a complaint with the complaints department whilst they investigated it everythinbg would be on hold. Three more invoices arrived with different amounts on and several more hour long phone calls were spent trying to sort this out . After another month i received a letter saying my complaint was not upheld and i must pay the £980 . Few days later i rang and an agressive customer service agent told me that my credit score had now been damaged and will continue to be damaged monthly if i did not pay in full immediately. Even if i had payment plan my credit would show arrears on their invoice i had been assured was wrong and i would not have to pay. Agressive tactics , incompetence and lies were all i encountered during months of nightmare phone calls and threatening letters, they are a dreadful rip off company do not get any finance from them for anything without doubt the worste customer service ive ever encountered and will nevr use them again. Reviewed on: 12th July 2022

Disgusting service

I have had an agreement with this company for 4 years. I renewed my agreement last year had new quotes sent through.Unknown to myself a year later they have contacted me to say they never received the renewal paperwork so I don't have a new agreement,I know I sent it back. They have stated that they have sent emails to myself saying I am in arrears- a year later. I have never received these. They have given myself 20 days to make a final payment. I as a single mum with a child with SEN do not have that money to pay.So they are taking the car away from us,won't even let me continue with the same monthly payment they i have been paying. They will accept no mistake on there part & there is no one that they will allow me to complain to. Absolute joke of a company,what I am going to do I just don't know,feel totally lost. Reviewed on: 4th May 2022

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