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Dean S

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Review of the Alphera Financial Services, Alphera Hire Purchase:

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I’ve had a very disappointing experience with Alphe...

I’ve had a very disappointing experience with Alphera Finance and feel compelled to warn others. Due to a change in employment and reduced household income, I recently found myself in financial difficulty and contacted StepChange for support. As part of taking responsibility for my situation, I reviewed my outgoings and decided my PCP vehicle agreement with Alphera was no longer affordable. Trying to handle things properly, I requested a settlement figure (£18,553) and obtained independent valuations of the vehicle (around £13,200), expecting a shortfall of roughly £5,300 which I was prepared to address through my Debt Management Plan. However, when discussing voluntary termination, Alphera advised that I would need to pay over £10,800 — almost double what I reasonably expected. This is because they include 50% of the optional final balloon payment in the calculation, even though the car is being returned and I will never own it. While I understand how they arrive at this figure, ... Read more Reviewed on: 7th May 2026

Review of the StepChange, Debt advice:

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Made a very difficult time an awful lot easier.

Made a very difficult time an awful lot easier. Not where I anticipated being but am extremely grateful to stepchange Reviewed on: 6th May 2026

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