Heritage Bank car loan reviews

Heritage Bank
Heritage Bank's overall rating for car loans

(as rated by the Mozo community)

8.8 / 10

based on 6 reviews

Price

Features

Customer service

Convenience

Trust

Featured car loan from Heritage Bank

Recent Heritage Bank car loan reviews

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) car loan review

Overall rating   9 / 10

Excellent customer service

My dealings with Heritage Bank have always been good experiences. I found that when I wanted a loan for a new car recently, the staff at Heritage Mt Ommaney were fantastic and made sure I knew all the extra charges and how the loan was flexible in...

Full review

My dealings with Heritage Bank have always been good experiences. I found that when I wanted a loan for a new car recently, the staff at Heritage Mt Ommaney were fantastic and made sure I knew all the extra charges and how the loan was flexible in repayments and that it could be paid out early without penalties.

    Price   8 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Erica (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   7 / 10

Excellent personal service and honest products.

Heritage Bank is a small, personal player on the banking scene. It is particularly kind to its rural customers and those that don't quite fit the profile for loans from bigger banks. The advantages of the car loan product offered by Heritage are...

Full review

Heritage Bank is a small, personal player on the banking scene. It is particularly kind to its rural customers and those that don't quite fit the profile for loans from bigger banks. The advantages of the car loan product offered by Heritage are competitive interest rates and no early payment penalties. The excellent customer service value adds to this product. Unfortunately, the car loan product requires an application fee. With a plethora of other options out there, including no interest finance from some car dealers, this is a big deterrent.

    Price   8 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Elza (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank Car Loan (Up to 7 years old, Fixed) car loan review

Overall rating   8 / 10

Family feel customer service and competitive rates

Heritage were super helpful in helping me get everything I needed to open my first personal loan. They made time for me when I was time limited and in a hurry. I have always received personalised helpful service that was more than what was...

Full review

Heritage were super helpful in helping me get everything I needed to open my first personal loan. They made time for me when I was time limited and in a hurry. I have always received personalised helpful service that was more than what was simply required for them to sell the product. I have never had any issues with this bank, and they have great interest rates.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   6 / 10

Less

Caroline (QLD), reviewed almost 3 years ago

Heritage Bank

Heritage Bank Low Rate Secured Personal Loan (Variable) car loan review

Overall rating   10 / 10

Customer service

We live interstate from our branch . I do online banking & have no trouble withdrawing from other ATMs as there is no charge because we are in an area with no branch. When I call them their advice is given freely and friendly. Therefore great...

Full review

We live interstate from our branch . I do online banking & have no trouble withdrawing from other ATMs as there is no charge because we are in an area with no branch. When I call them their advice is given freely and friendly. Therefore great customer service long distance. They give suggestions on how to make the best use of our finances to our benefit. We have no plans of changing to any other bank in town.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jan (NSW), reviewed almost 3 years ago

Heritage Bank

Heritage Bank Car Loan (Up to 7 years old, Fixed) car loan review

Overall rating   9 / 10

Excellent service

Excellent service, great online site.

Full review

Excellent service, great online site.

    Price   9 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Vanessa (QLD), reviewed about 3 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   10 / 10

Competitive

We went to our bank, we bank there a you got more of a chance to get a loan.

Full review

We went to our bank, we bank there a you got more of a chance to get a loan.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Alan (QLD), reviewed about 4 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   10 / 10

Exemplary service from all Heritage People.

When I needed a new car, I approached Heritage to find out how much I would need for a deposit. To my surprise it wasn't as much as I dreaded or thought. They supported me in all the dealings and laid out the steps I needed to do to get my new...

Full review

When I needed a new car, I approached Heritage to find out how much I would need for a deposit. To my surprise it wasn't as much as I dreaded or thought. They supported me in all the dealings and laid out the steps I needed to do to get my new car. It is a pity the car dealers couldn't be as forthright, honest and helpful. I would certainly recommend anyone seeking a car loan to talk to Heritage Bank first.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Lexcia (QLD), reviewed almost 5 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   8 / 10

Discounted insuance Connected to my bank

Full review

Discounted insuance Connected to my bank

    Price   6 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   -1 / 10

Less

Brenna (QLD), reviewed over 6 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   7 / 10

To set this product up we communicated over the phone which caused confusion in the process as it was a branch that did not know us. When setting this type of loan up in the future we will deal direct with our local branch. With this bank in our...

Full review

To set this product up we communicated over the phone which caused confusion in the process as it was a branch that did not know us. When setting this type of loan up in the future we will deal direct with our local branch. With this bank in our area only criticism is that there is not enough ATM access.

    Price   8 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Diana (QLD), reviewed over 7 years ago

Heritage Bank

Heritage Bank car loan review

Overall rating   10 / 10

They were fantastic and accommodating when it came time to sign and organise the paperwork. Call centre easy and reliable, I spoke to one person each time I called and they were competitive and professional.

Full review

They were fantastic and accommodating when it came time to sign and organise the paperwork. Call centre easy and reliable, I spoke to one person each time I called and they were competitive and professional.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jessica (QLD), reviewed over 7 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Car loan comparisons on Mozo - rates updated daily

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    • Tailored rates based on your personal credit history
    • Apply Online
    • No penalty for early repayment
    • Upfront fees: $100
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Vehicle
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    • Maximum loan amount: $80,000.00
    • Minimum loan term: 1 Year
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  • bcu Car Loan Special (Less than 5 years old, Variable)

    bcu Car Loan Special (Less than 5 years old, Variable)

    • Available for any cars up to 5 years old.
    • 1 hour fast approval
    • Redraw facility

    Interest rate

    5.90% p.a.

    comparison rate*

    6.82% p.a.based on $30,000
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    $250.00upfront
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    • Available for any cars up to 5 years old.
    • 1 hour fast approval
    • Redraw facility
    • Upfront fees: $250
    • Monthly fee: $8.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Vehicle
    • Minimum loan amount: $5,000.00
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    • Minimum loan term: 1 Year
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    Latitude Car Loan (Fixed)

    Latitude Car Loan (Fixed)

    • Funds available in 2 business days from approval
    • One fixed regular payment with a clear end date. Use for cars, boats, caravans and horse floats.
    • Early termination fees apply

    Interest rate

    6.99% p.a.to 14.99% p.a.

    comparison rate*

    8.10% p.a.to 16.06% p.a.based on $30,000
    over 5 years

    Fees

    $295.00upfront
    and
    $10.00/month

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    More info

    • Funds available in 2 business days from approval
    • One fixed regular payment with a clear end date. Use for cars, boats, caravans and horse floats.
    • Early termination fees apply
    • Upfront fees: $295
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Vehicle
    • Minimum loan amount: $5,000.00
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  • NRMA New Car Loan (Fixed)

    NRMA New Car Loan (Fixed)

    • No monthly fees and flexible repayment options
    • Quick and easy online application process
    • Low fix interest rates with terms up to 7 years

    Interest rate

    5.99% p.a.

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    6.53% p.a.based on $30,000
    over 5 years

    Fees

    $380.00upfront
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    • No monthly fees and flexible repayment options
    • Quick and easy online application process
    • Low fix interest rates with terms up to 7 years
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    • Exit fee: $0.00
    • Repayment options: Fortnightly, Monthly
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    RACQ Bank Fixed New Car Loan (under 2 years old)

    • No deposit required
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    • Unlimited additional repayments and no early payout fee

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    6.72% p.a.based on $30,000
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    $395.00upfront
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    • No deposit required
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    • Unlimited additional repayments and no early payout fee
    • Upfront fees: $395
    • Monthly fee: $0.00
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    • Security required: Vehicle
    • Minimum loan amount: $3,000.00
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    • Minimum loan term: 1 Year
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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are for the amounts and terms quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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