Professionalism to the way they approach every situation. Upfront with response to your inquiry or request whether positive or negative. They are not there to bite your head off.
I have had a couple of personal loans with SOMB and have always found them so supportive and helpful when it came to my needs and the staff are fantastic with answering any questions that you may have and go out of their way to help provide a quality service to the public.
I love the fact that I am dealing with people I know, and who know me. It's fantastic to be able to walk in and be addressed by name. I have recommended my daughter, and she is now on her way to owning her first car. I have been a member for more than 10years now. They have great interest rates, personal loans,investment accounts, as well as ordinary savings accounts. I think they are great.
After exploring with my options, the advice of the loans manager was - to not get a loan!!! How honest and caring was that - I was hugely impressed that they cared enough about me personally to recommend an action that had no profit for them.
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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 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.45% would cost $34,590.57 including fees.
Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 5.45% would cost $34,340.57 including fees.
Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 6.39% would cost $35,126.40 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.
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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