Future Car Finance

Nightmare

My experience with Future Car Finance was extremely frustrating and disappointing. When I app**** for vehicle finance through them, I submitted all the required documentation. However, my application came back as “orange declined.” After investigating the issue myself, I contacted WesBank directly and discovered that the decline was due to missing documentation — specifically my driver’s license — which had not been submitted with the application by the F&I representative. Once the outstanding document was eventually submitted, the application status changed. I then requested that my application also be submitted to other finance houses so that I could compare rates and terms, which is standard practice when trying to secure the best deal. Unfortunately, this was never done. I later confirmed this by contacting the other finance houses myself, and none of them had any record of an application being submitted on my behalf. When I went back to the F&I representative and asked for proof of submission to these institutions, none could be provided. Communication throughout the process was extremely poor. Trying to get hold of the F&I representative who represents Future Car Finance was a constant struggle. Promised return calls never happened, and when I eventually managed to make contact, very little assistance was provided. Overall, my experience felt like an ongoing battle with poor communication, lack of follow-through, and general incompetence. At the end of the process, all that remained was a credit enquiry against my name and complete dissatisfaction with the service received. If you plan on dealing with Future Car Finance, be prepared for significant delays and frustration. In my experience, the deal will not progress unless you simply accept the terms and rates from the one finance house they initially approach, rather than being given the opportunity to explore better options.