latitudefinancial.com.au Reviews 

No customer service, all online bots, international call centre. Unable to claim rewards, I have been trying through the app, does not work. Call centre couldn’t help, passed it on to someone else to fix app, it will be fixed within 48 hours. No it still does not work. Frustrating that I can’t get what I’m entitled to.

If I could give this bank card zero stars, I would.
I called customer service twice, and both times the service was very poor. I ended up canceling this credit card. They need to train they customer service.

Do not give your money to this company.
I haven't written a review on a company ever; however, I would like to give people the opportunity to do their research and not go with Latitude Financial. I had a car loan with this company for 5 years, with a fixed interest rate of 17.49% which is absurd I even proceeded. I did not have ONE positive experience with them from their customer service department, my mysterious payout figure that changed 3 times with no official break down as to how they came up with the amount of $1,341. Save your money and go elsewhere, it was the biggest headache dealing with this company.

Poor customer service. Terrible payment plan and structures. Statements are vague and difficult to follow

I temporarily reduced my credit card limit before travelling overseas as a security precaution. After returning, I requested to reinstate my previous limit but was declined without any clear reason.

I’ve always paid my debts on time, so it’s hard not to feel like responsible customers are being penalised. Aligned to previous comments about predatory behaviour.

Pathetic, no clue, the worst customer service I've ever experienced. avoided any responsibility for their mistakes, kept palming me off to the next sucker with clue, nobody kept any notes of previous discussions.
failure to make clients aware of early termination payout fees, overpaid without apologies, failure to accommodate a relatively small gesture of goodwill, unwilling to listen to the customer, made to feel like I was being untruthful, simply no regard for customers satisfaction, wanted nothing to do with trying to figure out where they had gone wrong, could go on and on, but I have already wasted to much time and effort on this joke of a company.
final words of advice to anyone thinking of using Latitude finance.
DON'T, YOU'LL REGRET IT, SCUMBAGS

Horrific company horrific experience.
I took out a car loan with Lattitude which was due to expire in May 2027
I had paid more each month on my loan so l could get it paid off quicker. February 2024 l only owed around $3000 on it and decided to upgrade my car through another lender. The car dealership said they would payout the balance of my car, and use the balance of my car as a deposit. I waited for a couple of months and wondered why l had no pay out letter, my account was still saying open. When l contacted the dealership, they said there was no money owing on my car.
Someone at Latitutde did not do their job properly.
I was then left to pay off the car, frustrating but had to do it. I paid larger amounts and by January 2026 l only owed $855 on my overall account even though l had 16 months to complete my loan. I requested to not make a payment in January as my daughter was facing financial hardship and l had to pay her rent and she was moving back in with me. They said l had to pay. I told them l could not pay in Janyary, but l would pay the balance of $855 in February. They continued to chase me. On one day the company called me 5 times. ( Harassment) In February l paid out my $855 plus over $200 in early payout fees. When l checked my credit report they marked me as a missed payment. I have been fighting this ever since. I recieved an email about 5 weeks ago saying they were going to change it. I recieved my uodated credit report today and they have not removed it. I feel traumatized dealing with this company. I just need my dealings with this company to be over. But l feel it never will be. You deal with this company you deal with the devil.

I found them when appying for a credit card the most rude, arrogant, stupid customer service people ever. I didn't end up proceeding, will take my business elsewhere. I would avoid this company like the plague!

I had called multiple times and Have to explain the same issue to multiple staffs and still problem has not sorted.

Do not use unless you want to be ripped off, hung up on or sworn at. Called to get a payout letter, got hung up on. Called back they said it was an IT issue, hung up on after. Called back again, they said theyve organised for it to be sent. Never received it. Forgot password have to call as code wont get sent to email. Had a random mobile number connected to my account that ive never used before. They couldnt explain it. DO NOT USE THIS SERVICE

The worst company I have ever dealt with. Absolute scam! I signed up for 6 months interest free but they still charging me 28%. I tried calling them on their numbers provided and you can’t get through as it keeps cutting off. You can’t do online help as it’s impossible
I’m just shocked that they haven’t been arrested and put in prison.

Currently cannot do hardship and told to go to debt consultation… in process of this

Got a phone call today saying can you pay via an automated service first time said NO which wasn’t registered, then said No again…. “Thank you we expect your payment in three day”… followed by a text saying this aswell!

What the!!!!

Super dishonest, avoid at all costs!
The customer service is rude AF and not at all helpful. They will straight up lie to you and the story you get depends on the person you are talking to and how hard you push back. If you have to deal with them record all conversations!
They made up some BS about fraudulent activity just days after receiving my card in the mail, before it was even activated. They said I had to use my phone to do a biometric face scan, but would not tell me any details of the suspected activity nor any information about the bio scan, why they needed it, who would have access to it, where and how it would be stored and for how long. The entire thing seemed very suspect. After seeing other reviews of people being victims of fraud after providing details to the Indian call centre, there is no way I was going to give them my face.
They then straight up lied and said I could not close the account without the scan. After multiple calls over 3 days they eventually closed the account without the scan.
But the entire process was so shady and the staff were so dishonest and rude.
I looked into it and they are actually breaking the law here in Australia with these practices.
Best thing is to stay away from them.

I’ve only given latitude a one star rating as I can’t give any less! Useless, utterly useless! I had a personal loan with this company which I finished paying 8 months ago only to find that they had not closed my account and there was money owing to me, I called the call centre and to say they were of no help is an understatement! They tried to tell me that I still owed them hundreds of dollars and that my account, even though it was showing a minus balance as not settled! Tried to call several times to sort this out only to be met with the same story and have now escalated my complaint to the ombudsman!

If I could give 0 stars I would, do NOT by any means take out a personal loan with these guys.....first of all their rates are obscene (but many others are too so that is a wash), second of all to get a response from an email is like pulling teeth and calling is not much easier with the English language not being anyone's first in the call centre......next, even after paying off the loan they try to say there is a balance owing when there is not but you cannot close the account without paying it off in full.....getting a payout/closure letter takes days, if not up to a week....I seldom write any reviews but this one had to be written

I wish I could leave negative feedback, because my experience was extremely extremely poor. I asked the agent to lodge a complaint, and she told me she couldn’t. When I requested to speak with a supervisor, the call was disconnected after hold for 5 mins.

There were also several unexpected charges. I paid $200 for the pay cycle, yet I was later informed that payments must be made within the same month and charged $45 late fee on my account.

Based on my experience, I strongly advise others to make your payments and close your accounts ASAP

Rude disrespectful customer service they are dealing with several customers at once online they will not give you a straight answer and you end up feeling frustrated and angry the phone service is no better. I don't think this company wants to improve I believe they know exactly what they are doing and that is taking every cent they can from their customers, I tried to do the right thing and make sure my payment for my Gem Visa credit card went through not realising that it takes 6 days before Lattitude finance charges my bank account I didn't see any pending charges on bank account so I tried 5 times, after explaining it to customer service they would not remove the 4 payments I made by mistake even though they hadn't been charged to the bank yet and I was told I would get dishonor fees for them that is the first straight answer I got in 3 days of trying to sort it out. I don't care how desperate you are stay away from this company you will only end up wishing you had stayed away later

Ashleigh is an absolute incompetent person!! She treated mu chargeback claim with so much disrespect! I filled in November, and she writes back today to say I am out of the timeframe for a chargeback, so there isn’t anything she can do!! She wrote me in November to let me know it might take up to 30 days. And despite sending numerous emails, she did nothing and only replied to me today. Latitude, fire this incompetent person! It’s a disgrace for your company to have somebody like her working for you!!!!!