latitudefinancial.com.au Reviews 

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!!!!!

Well I was in a pickle for finance and they came to the rescue. That's where the good part ends.
I found their customer service staff would regularly cut you off mid sentence when on the phone to them. The balance of account figure which was paid to complete the loan was correct as per the consultant and that it what I paid to close, only then to be informed that there are other fees and charges. When questioned the barriers go up and they don't really want to listen to you.
Would never use again.

Stay away from this scum. As soon as signed up they will bombard you with all sorts of fees and charges that never been disclosed before.

I will be submitting official Complaint to AFCA and further sue them in Court for misleading marketing and foul practices.

For a financial institution, the lack of customer support is really concerning. When you’re dealing with credit products and high interest rates, customers should at least be able to speak to someone or receive a response to emails.

Overall the experience has been disappointing and I would not recommend them based on the difficulty in getting support when you actually need it.

Had paid loan out. They kept account open occurring fees. Didn’t bother to tell me or send me any statements until well after two years.
Called Latitude - on hold for over 15 minutes.
This company should not operate.

I had a loan with latitude at very high interest so i paid it out early and got stung massive fees. The worst was yet to come. Having a loan with latitude affected my good creit rating severely and even after paying out the loan early latitude never update it as paid so lenders think you still have the outstanding loan. avoid at all costs.

Credit card offer is scam:

They advertise a monthly minimum spend from the date of credit card approval to get $300 cashback. But in reality they don't calculate the date of approval. The statement is from a arbitrary date which is 24th of every month.

Someone opened a credit card in our name and used the card. No written communication was ever given to us to let us know.
When asking Latitude how someone could rack up a credit card bill without our knowledge for a year they answered "you should of checked the app to see your balence"
Ah yes. The app we didn't have, to monitor the account we didn't open or know about.
The account was eventually closed but 6 months later we are still trying to erase it from our credit history. Latitude have been strangely unhelpful during this process.

This would have to be the worst customer service experience I have encountered. I was only after a final bank statement after closing my account last year. Had to make 2 phone calls, 1 answered in the Philippines and the other in India. After 1 hour on each I was told that it would be emailed to me...in 24 hours! It will be interesting to see what I get and when I get it!!

One of the worst people on the planet I would say never ever go with them they all out to get your every penny under the sun. So greedy and pathetic service. Just do not care about customers how long they have been just only making as much possible.charges are so high. One of the worst I’ve come across

Signed up with latitude to pay off a phone, and they ended up fast tracking the payment all in one go even though the amount wasn’t in my account. In fact they actually some how managed to charge me 200 dollars extra while saying the account is still negative $100 so still trying to figure out how that works. Anyway thanks for the sh*t service latitude won’t be using your service again and don’t recommend it to other people

Quite possibly the worst customer service I’ve ever experienced. I was only applying (successfully) and the ineptitude of the customer service and application process made me rescind my application.

I don’t know what systems they use, but they can’t even open a simple PDF. This to me was the last straw, the poor English speaking skills and the clear ‘speaking from a script’ are also a major red flag.

The 60-month interest-free deal with Harvey Norman feels like a trap. Despite paying well above the minimum, Latitude/GEM charged interest and fees and then claimed everything was “correct”.

When I asked for a simple month-by-month breakdown to verify the charges, they actually said they are “not an auditing firm” and refused to provide it. A finance company charging nearly 30% interest but unwilling to explain its own calculations is unacceptable.

Instead of transparency, they offered a so-called “goodwill” solution while avoiding the real issue. Poor systems, misleading promotions, and no accountability. Avoid if you value clarity and fairness.

Car loan was supposed to finish by March 2026 and they have said another around $800 will need to be paid.
Paying loan at the right time but still get charged fees for $40 for late payment.

Unfortunately, I haven't had a good experience with Latitude Gem Visa. They're trying to find out how to take your money through different ways or even excuses. If you download the app and try to make a payment, they don't let you. Then you call them and they tell you to pay through BPAY, and they are charging or stealing your money. Be careful, guys! Open your eyes. Definitely not recommended at all.