Esanda car loan reviews

Esanda

How are Esanda car loans rated by the Mozo community?

59%

Overall Mozo Community rating: 5.9 out of 10

Esanda car loans

Overall rating: 5.9 (47 reviews)*

Last reviewed: 02 April 2015


  1. Overall customer rating
  1. Price
  1. Features
  1. Customer service
  1. Convenience
  1. Trust

* based on reviews in the past 12 months

Reviews: 141

Thumbs up: 95 | Thumbs down: 46

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  • Unsecured Personal Loan (Fixed)
  • fixed 1 year rate

    14.35%

  • pi comparison rate

    15.22%

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  • Get Set Loan (Variable, Unsecured)
  • variable rate

    13.75%

  • application fee

    $150.00

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Recent Esanda car loan reviews

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  • Money grabber

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    New in the country and needed a car, hit me with HIGH interest rate and find them very unreasonable in offering help! By the time I pay the car off I would have paid 3 times the actual price! No customer care.  Full review 

    New in the country and needed a car, hit me with HIGH interest rate and find them very unreasonable in offering help! By the time I pay the car off I would have paid 3 times the actual price! No customer care.


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    Esanda car loan reviewed by Daniel from New South Wales

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  • Average service. Misleading rates.

    1. Overall customer rating
    2. (Reviewed about 4 hours ago)

    Poor service. Was told would get called back but never happens. Advertised rate was 7.4% however after application went up to 12.9%. Ridiculous rate for secured loan. Shopped around and got a better deal at 6.69% with the car dealer.  Full review 

    Poor service. Was told would get called back but never happens. Advertised rate was 7.4% however after application went up to 12.9%. Ridiculous rate for secured loan. Shopped around and got a better deal at 6.69% with the car dealer.


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    Esanda car loan reviewed by Ric from Victoria

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  • Easy but expensive

    1. Overall customer rating
    2. (Reviewed 25 days ago)

    Expensive rates .  Full review 

    Expensive rates .


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    Esanda car loan reviewed by Barry from Western Australia

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  • Do not recommend!

    1. Overall customer rating
    2. (Reviewed 28 days ago)

    I decided to use Esanda to finance a loan for a car for myself. What a wrong choice of lender I made there. I should have seen the writing on the wall when I had numerous issues with their in-house broker at the dealership I purchased my car through.  Full review 

    I decided to use Esanda to finance a loan for a car for myself. What a wrong choice of lender I made there. I should have seen the writing on the wall when I had numerous issues with their in-house broker at the dealership I purchased my car through.


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    Esanda car loan reviewed by Ross from Queensland

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  • Irresponsible lending to a young,irresponsible man

    1. Overall customer rating
    2. (Reviewed 28 days ago)

    Irresponsible lending criteria for irresponsible young man ,22 years old. Esanda have put him into debt of two loan amounts totalling to $70,000. First existing loan, known to Esanda, paid by another person and as they said "Doesn't matter who i...  Full review 

    Irresponsible lending criteria for irresponsible young man ,22 years old. Esanda have put him into debt of two loan amounts totalling to $70,000. First existing loan, known to Esanda, paid by another person and as they said "Doesn't matter who is paying the existing loan of total amount"-$22800. The loan is still in this young man's name and he was approved the second loan of $33000. This total amount does not include the five year interest on both loans. His financial hardship with the first loan was known to Esanda,and then they approve the second loan, fully knowing this young man,wasn't paying the first loan. Well, who cares they say! Well now this young man, 4 months into his second loan,has no job. The first loan is now in arrears, as the person that was paying the first loan is trying to refinance the loan into their name. Other finances companies that deal with this Esanda group cannot understand,comprehend and believe that they put this young man into debt beyond his capable years. Not to give the lending company all the blame but come on!


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    Esanda car loan reviewed by Ness from Western Australia

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  • Very competitive

    1. Overall customer rating
    2. (Reviewed about 1 month ago)

    Very competitive. Great people to deal with.  Full review 

    Very competitive. Great people to deal with.


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    Esanda car loan reviewed by Reinhard from Tasmania

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  • Easy finance when you want.

    1. Overall customer rating
    2. (Reviewed about 1 month ago)

    Good rate, good staff but excessive early exit fees.  Full review 

    Good rate, good staff but excessive early exit fees.


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    Esanda car loan reviewed by Mark from Queensland

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  • Brilliant

    1. Overall customer rating
    2. (Reviewed about 1 month ago)

    They are extremely understanding and very helpful. And they don't waste time getting you to jump through hoops to get finance. I am currently off work with a injury and cannot afford my payments and with one phone call they froze my payments until...  Full review 

    They are extremely understanding and very helpful. And they don't waste time getting you to jump through hoops to get finance. I am currently off work with a injury and cannot afford my payments and with one phone call they froze my payments until I can afford them again. Brilliant.


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    Esanda car loan reviewed by Dan from Victoria

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  • Great customer service

    1. Overall customer rating
    2. (Reviewed about 2 months ago)

    Have been great, I have been with them for 5 years now and never had one problem with them.  Full review 

    Have been great, I have been with them for 5 years now and never had one problem with them.


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    Esanda car loan reviewed by Robert from Queensland

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  • Don't trust this lender

    1. Overall customer rating
    2. (Reviewed 2 months ago)

    I purchased a new Ford Ranger Dual Cab from a dealership. I first approached the ANZ Bank who offered Esanda Finance and the Dealership also offered Esanda Finance and told me they would give me a good rate, so I went with the Dealership only for ...  Full review 

    I purchased a new Ford Ranger Dual Cab from a dealership. I first approached the ANZ Bank who offered Esanda Finance and the Dealership also offered Esanda Finance and told me they would give me a good rate, so I went with the Dealership only for convenience and it all was good until I wanted to pay it out. You must read the fine print. I took out a 60 month contract and after 24 months, and 8 months in advance with my payments, the payout was only $357 less than leaving the contract run full time for 60 Months. Esanda charge a $1,670.00 early settlement fee and told me I should have taken out a different type of interest loan but this is not explained when taking out the loan. I'm 63 and paid off many a car through many other lending companies and never had any issues like this. Be aware when taking out a loan through Esanda of the contract you are signing, don't trust anyone.


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    Esanda car loan reviewed by Paul from Queensland

    2 people found this review helpful – do you? Yes flag

  • Opportunistic Car Loan Company

    1. Overall customer rating
    2. (Reviewed 4 months ago)

    Very opportunistic company. I was new to the country, and because of being new and no credit record history they charge me 17% of my car loan. I will never get a loan with Esanda again, EVER!  Full review 

    Very opportunistic company. I was new to the country, and because of being new and no credit record history they charge me 17% of my car loan. I will never get a loan with Esanda again, EVER!


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    Esanda car loan reviewed by Jay

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  • Your worst nightmare once you are under contract

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    Pricing is ok, but once you are under contract they will do anything to make you unhappy. Impossible to get straight forward answers on any normal questions, if you are finally able to speak to someone. I would have paid more and went for some ser...  Full review 

    Pricing is ok, but once you are under contract they will do anything to make you unhappy. Impossible to get straight forward answers on any normal questions, if you are finally able to speak to someone. I would have paid more and went for some service instead of this company, although it is ANZ I feel like I am doing business with some creepy loan shark, who will contact me if he has a question, I am not supposed to contact him. Although I never missed a term, so that could not be the issue.


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    Esanda car loan reviewed by Jack from Victoria

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  • Good value, great service

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    Esanda is fantastic to deal with. Clearly most of you idiots have no idea what you are doing or how to negotiate. When you go to JB Hi Fi they don't give you the best price upfront, you need to ask / negotiate. Their pricing model is reflective of...  Full review 

    Esanda is fantastic to deal with. Clearly most of you idiots have no idea what you are doing or how to negotiate. When you go to JB Hi Fi they don't give you the best price upfront, you need to ask / negotiate. Their pricing model is reflective of risk - if you are a weak customer with no previous credit then expect to pay a premium. I have 4.99% through Esanda taken Jan this year.


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    Esanda car loan reviewed by Frank from New South Wales

    1 person found this review helpful – do you? Yes flag

  • Kind hearted service

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    They are considerate to our needs and have kind and friendly staff. I definitely would recommend them to anyone.  Full review 

    They are considerate to our needs and have kind and friendly staff. I definitely would recommend them to anyone.


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    Esanda car loan reviewed by Charlotte

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  • OK for initial finance, follow up to pay off early

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    The company was good, however they never contacted me to tell me I could pay it off earlier or how much that would save. It took me some time to do that and then I paid it off early. Simply by doubling my payments, however the company never let me...  Full review 

    The company was good, however they never contacted me to tell me I could pay it off earlier or how much that would save. It took me some time to do that and then I paid it off early. Simply by doubling my payments, however the company never let me know this was an option.


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    Esanda car loan reviewed by Jodie from New South Wales

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  • Irresponsible lenders

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    Esanda sold me a loan that it turns out was in breach of the National consumer Credit Protection Act and have refused to admit fault (despite the financial ombudsman making a ruling), the matter has taken months to settle and they have made it dif...  Full review 

    Esanda sold me a loan that it turns out was in breach of the National consumer Credit Protection Act and have refused to admit fault (despite the financial ombudsman making a ruling), the matter has taken months to settle and they have made it difficult every step of the way. Not trustworthy, not worth the effort.


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    Esanda car loan reviewed by John from Tasmania

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  • Good service

    1. Overall customer rating
    2. (Reviewed 5 months ago)

    ESANDA are a well respected company and provide a good service.  Full review 

    ESANDA are a well respected company and provide a good service.


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    Esanda car loan reviewed by Catherine from Queensland

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  • Worst Ever

    1. Overall customer rating
    2. (Reviewed 6 months ago)

    Please compare your car loan. I am paying a 16% rate which is almost the same as you pay for a credit card. When you ring them and ask, they say it is your problem. One of the worst really.  Full review 

    Please compare your car loan. I am paying a 16% rate which is almost the same as you pay for a credit card. When you ring them and ask, they say it is your problem. One of the worst really.


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    Esanda car loan reviewed by Rob from Victoria

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  • Competitive rates

    1. Overall customer rating
    2. (Reviewed 6 months ago)

    I like this bank because the rate offered was better than home loan interest rates. The only catch is that there is no advantage in paying out the loan early as you don't save much, so you need to be happy with that.  Full review 

    I like this bank because the rate offered was better than home loan interest rates. The only catch is that there is no advantage in paying out the loan early as you don't save much, so you need to be happy with that.


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    Esanda car loan reviewed by Paul from Western Australia

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  • Ridiculous interest rates

    1. Overall customer rating
    2. (Reviewed 6 months ago)

    I find the interest rates are ridiculous, and the fact that they only have one office in Melbourne and zero in WA tells me why. I have been researching a lot lately and found out I can get a brand new car now for half the price of my fortnight...  Full review 

    I find the interest rates are ridiculous, and the fact that they only have one office in Melbourne and zero in WA tells me why. I have been researching a lot lately and found out I can get a brand new car now for half the price of my fortnightly repayments. $24000 turned into $ 70000 very quickly repayments of $316.88 p/fortnight over 7 years. What a joke.


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    Esanda car loan reviewed by Jarryd from Western Australia

    2 people found this review helpful – do you? Yes flag

  • Customer service is OK

    1. Overall customer rating
    2. (Reviewed 7 months ago)

    These people are not bad to deal with, just that the interest rate is a bit high.  Full review 

    These people are not bad to deal with, just that the interest rate is a bit high.


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    Esanda car loan reviewed by Annette from Queensland

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  • Esanda, the best way to buy your dream vehicle

    1. Overall customer rating
    2. (Reviewed 7 months ago)

    The stepped up and gave us a loan that day! Our credit union wanted us to jump through hoops and barriers and always seemed to need one more piece of something (payslip, recent gas bill etc). We had been dealing with them for 2 weeks when the car...  Full review 

    The stepped up and gave us a loan that day! Our credit union wanted us to jump through hoops and barriers and always seemed to need one more piece of something (payslip, recent gas bill etc). We had been dealing with them for 2 weeks when the car dealership suggested their loaner Esanda. Thank GOD we did! We got the loan and the car we wanted that day! Sorry MECU you suck!! Esanda is the way to go! And they were cheaper in the interest department too!


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    Esanda car loan reviewed by Rebecca from Australian Capital Territory

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  • Excellent company

    1. Overall customer rating
    2. (Reviewed 7 months ago)

    Best finance company there is. Very helpful with any enquiry.  Full review 

    Best finance company there is. Very helpful with any enquiry.


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    Esanda car loan reviewed by Rebecca

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  • High interest rate but showed interest

    1. Overall customer rating
    2. (Reviewed 7 months ago)

    Esanda have great customer service. They showed a lot of interest to supply me with a car loan where other banks weren't as interested due to my income. However Esanda did what they could and got my loan. In signing my contract some things weren't...  Full review 

    Esanda have great customer service. They showed a lot of interest to supply me with a car loan where other banks weren't as interested due to my income. However Esanda did what they could and got my loan. In signing my contract some things weren't explained properly so make sure you ask a lot of questions. There is no access via internet to see your outstanding balance, the only way is to ring up. This is the only thing that would persuade me to go with someone else for my next loan. However I overall am happy with Esanda, the interest rate may be a bit higher than others but I wouldn't have my car without them.


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    Esanda car loan reviewed by Brandon from Western Australia

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  • Do your research

    1. Overall customer rating
    2. (Reviewed 7 months ago)

    I'm not overly impressed and will be sure next time to do a little more research.  Full review 

    I'm not overly impressed and will be sure next time to do a little more research.


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    Esanda car loan reviewed by Natajshia from South Australia

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