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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)

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 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. Reviewed on: 25th June 2020

Nightmare

Total nightmare company wish I'd never set up an agreement with them would definatley never recommend Reviewed on: 18th 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 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. Reviewed on: 15th 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 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! Reviewed on: 2nd June 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 another 182£ on top of that. Scammers never send me anything about the way sharing the interest. AA FINANCE SOLD ME THIS. AVOID Reviewed on: 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 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!!!! Reviewed on: 22nd 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 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. Reviewed on: 21st May 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 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. Reviewed on: 12th 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 out straight away. As a result I would definitely recommend Alphera in the future. Reviewed on: 8th April 2020

No help at all during covid19 NOT IN IT TOGETHER

I am self employed and will not get a penny for at least 2 months during this covid 19 crisis. I phoned asking for a pyment holiday or help, but was refused point blank. will not be using these guys again Reviewed on: 27th March 2020

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