The most horrible customer service ever. Do not return calls, do not actually fix the problem. No relevant understanding of customers needs or wishes. Have a no compromising view. The worst company I have ever had to deal with. Beyond disappointed, with the time wasting, false assurances of decisions and call backs, not to mention the call on hold timeframe ( don't try this in your lunch break).
The most unhelpful bunch I have ever come across with false statements about their own bank's (Westpac) inability to reflect a payment on their account the same day despite you sending it by NPP (Osko). After 5 attempts to get a statement showing a loan that was settled 3 days ago, I kept getting the same unhelpful response that I must wait at least another 2 days and then eventually after spending many hours on the phone had a rude supervisor tell me off. I will never deal with this institution again.
The team at Pepper were great from the time I settled my loan and assisting with portal access to the end of term when I needed assistance getting details of how much was outstanding. Cannot fault them.
As the rules here prohibit me from expressing my true feelings (no foul language allowed), suffice to say that this company is dubious at best. Terrible customer service, extremely high interest rates, dodgy practices at payout, unexplained charges when transacting, etc. You're better-off going to a bank or simply staying without!
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Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 4.67% would cost $34,096.76 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.89% would cost $34,276.58 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.74% would cost $33,949.23 including fees.
Terms from 2 to 5 years. Representative example: a 3 year $10,000 loan at 5.95% would cost $11,538.74 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 4.69% would cost $33,888.17 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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