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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)

Dreadful

Similar to another reviewer, applied for PCP through them on what would have been my 3rd agreement and despite 8 years of never missing a payment and proving funds and income well in excess of what was required they decided to decline funding. Horrible to deal with, arrogant, flippant and disrespectful responses - never again. Avoid at all costs and seek funding elsewhere. Dreadful company to deal with. Reviewed on: 10th April 2022

Rubbish

Total crap been with them for years never missed a payment and they have rejected me for a new PCP deal well they can poke the car i have as unless they have a good reason for it my credit score is 979 out of 999 so no excuse the car i have will be going back never again Reviewed on: 14th November 2021

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 understands the importance of meeting a customers needs and expectations Reviewed on: 8th November 2021

AVOID!

I cannot stress enough how crooked Alphera are, they should be avoided at all costs. Given they are a part of BMW FS, I figured I would be in safe hands. I was so very wrong. Bought a shed of a car from Arnold Clark on PCP financed by Alphera back in June 2021, which resulted in vehicle rejection. I followed all of the legal requirements for me, as the consumer, which included allowing an independent inspection at the manufacturer (at Alphera’s request). They accepted the inspection report and the vehicle rejection, but seem to think that their procedural timeframe of “8 weeks to resolve a complaint” somehow trumps the 14 days by which a rejection should be concluded, as written in the Consumer Rights Act 2015 (law!). Took me 2 months from independent inspection to get the rejection completed, and of course this is well outside the 8 weeks for resolving a “complaint” (which this clearly wasn’t!). Every week I had to chase alphera for an update, they were not forthcoming with a single piece of information. Every action that they had to take, only took place at the time I made chasing calls. They were literally sitting on my legal issue and doing precisely nothing. The staff are rude, and simply lie when they tell you they’ll do something to help… spoiler, they won’t! One man called Raj even laughed at my situation. In summary, go elsewhere… and I mean ANYWHERE ELSE!!! Reviewed on: 30th September 2021

Excellent, fast and efficient service

After my previous HP Loan provider let me down at the last minute, despite running around for two weeks to get approvals in place, Alphera responded quickly, and efficiently, confirming the loan, helping me buy by car same day, and even lowering my rate against the other company. Would definitely recommend! Reviewed on: 7th April 2021

never ever use there service there crooked very

Do with out I will walk before I use them again Reviewed on: 28th January 2021

Avoid this company at all costs

I would not advise using this company. They have falsely reported information to credit reference agencies, which has subsequently ruined my credit score. I have never received so much as an apology from them. The customer service there is shocking. I will never use them again. Reviewed on: 23rd October 2020

DO NOT USE ALPHERA

It has been 2 months since my car broke down and I'm still chasing people to get my money back. The dealership has accepted the rejection of my car and refunded the money to Alphera. I spoke to someone from customer escalations team yesterday (12/10/2020) at 09.28AM who promised me that the money you owe me will be in my bank account by 5.00pm today (13/10/2020). It is 5.45PM now and I still haven't received my money. Previous to that I spoke with Jack Hope from customer escalations on 06/10/2020 at 09.55am, who promised me that the money will be in my account by end of last week. Reviewed on: 13th October 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 company? Is it better to now look for another buyer? No sense at all. Reviewed on: 21st August 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. Reviewed on: 12th July 2020

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