Imb provided me with a personal loan that had a reasonable interest rate, Internet access and the option to pay it out early with out penalty. The loan was approved in a timely and professional manner.
The customer service received by the IMB team is completely unprofessional, asking probing questions on a continual basis about personal family matters associated with our loan. Their level of communication and ability to listen is very poor. They evoked a real air of distrust and I would seriously dissuade anyone from dealing with this company.
I have been with this bank for 15 years when I went to apply for a personal loan it was not accepted even though I had a credit card with them. They suggested I try another bank or increase my credit limit which I did not want to do I did not find them helpful or care about me as a person, I have just opened up another account with a bank that has approved my loan and treats me with the respect that I deserve.
Cheapest rates and great features of loan
In all ways we have found IMB to be caring helpful and truthful Being pensioners we found their advise to us sound and when applying for this loan they were very helpful and kkept us informed as to how the situation was, advising us when everything was ready and passing on the cheque that was needed. We have no hesitation in asking advise on any money problems we have.
When looking at changing my main bank (which was the Commonwealth Bank since 1986) as I was dissatisfied with their products and service I went shopping at a few credit unions. To my surprise most ignored you upon entering their doors except for IMB Gungahlin and particularly their customer service officer Lewarna Bennett. Lewarna took the time to discuss their products Savings accounts and Personal Loans providing me with exceptional personal service. This won them my business and a very positive feeling which I more than happy to advise others about if they are unstaisfied with their current bank/CU etc.
The service is outstanding, the staff are friendly and are relaxed in the promotion of products - giving you the option to ask more questions without feeling you are being pushed into something. Almost like stepping back a lifetime ago - relaxed, honest banking.
I LOVE the IMB. The staff are always friendly and helpful. They answer all questions. They made applying for the personal loan easy. There was minimal fuss. When I couldn't give them my group certificate, they rang my accountant and got him to fax a copy of it directly to them! I didn't have to go chasing around for the item. They are fantastic, low fees and charges, awesome customer service - why wouldn't I tell everyone?
I had no problem in applying for my personal loan from I.M.B.,I applied online and within 24 hours I had contact from a nice young lady who went through the procedures with me, and once I supplied them with the relevant information about myself, my loan was approved quickly. It is a pretty good loan, the option of extra repayments, and can be paid out early with no penalties whatsoever, unlike Bankwest, who charge you a $35.00 fee for paying out a loan within 15 months.
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Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 5.95% would cost $34,757.21 including fees.
Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 5.44% would cost $34,332.26 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.40% would cost $34,449.07 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.75% would cost $35,190.18 including fees.
Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 6.49% would cost $35,210.64 including fees.
WARNING: 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 calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.
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