Northridge Finance Reviews 

Very helpful and friendly staff, happy to answer my questions.

I have financed cars with Northridge and never had an issue. But the one time I needed their support and step up, they completely failed me.

I bought an electric vehicle with a range of 275 miles advertised. Cutting a very long story short, the car once delivered was only getting 150 miles, significantly under what was advertised this. I consistently raised this with the dealer who reassured me this would improve with the weather and warmth, not aware of the rights I was giving up.

The issue did not improve with the weather, and once the dealership contact ceased I asked Northridge to help and raised a complaint as I wanted to return the vehicle.

Northridge took no sense of compassion or empathy when looking at the real life toll driving this unpredictable vehicle was having, purely favouring the dealership despite their completely obvious short falls and no contact.

I am absolutely disgusted by the fact Northridge took none of my feelings or thoughts into their decision. I provided visual evidence of the dashboard showing the issue, as well as battery health report which was not ‘sufficient’ evidence.

When I raised my disappointment in the decision, I was told it would be looked back into… this was 3 months ago and I have not heard a peep. I have now raised this with the financial ombudsman.

I will never finance another vehicle with northridge - they have made a mockery of me and my feelings, providing no support or protection to their customer.

Avoid if you want a finance company who will protect you when you have clearly been failed.

Great and helpful staff when you call them when I go for another car I am goin to ask car dealers do they use Northridge would like to keep with them

i am writing to complain about my agreement. i have done overpayment on 8th and 9th of September for total of 12K but yester i have been informed that you cant accept the overpayment! when asked the adviser why, he was not sure why exactly? at first said that because my agreement is over 50K! which is not true (the purchase value is over 50K but not the loan value! then he said because i have irregular agreement, but when i checked my agreement is HP and clearly mentioned in your website that i can do overpayments.

they are scamming customers and not following FCA guideline

Very helpful when I phoned up and sorted everything I needed out straight away.

Theyve been ignoring me for 6 months and not replying to my emails. Very unprofessional company.

Northridge took two payments in error, have not responded to my emails and have not refunded the payment.

Ongoing complaint over a car loan through Northridge finance - i choose to pay off the loan early to be told and to the realisation that they had stacked all interest payments into the first 24, therefore leaving me with a higher settlement figure half way through the pain, pocketing the extra money... I am disgusted on learning this as it clearly states no early repayment fees - but they'll take all the interest up front please, and thanks! Appalling behaviour and a missold product.

My partner bought a car from “Prestige Autos Surrey.” It turned out that the vehicle had a hidden defect – faulty shock absorbers, which were confirmed by three independent garages. Despite this, the dealer refused to carry out any repairs.

We then reported the issue to the bank, since the car was financed through them. Unfortunately, the bank completely ignored our arguments and evidence, disregarded the confirmations from the garages, and blindly sided with the dealer, who claimed there was no fault.

For comparison – I previously had a similar situation with Santander, and within a week they sent an independent inspector. The assessment confirmed the defects, and the bank supported us. That is how proper customer service should look.

In this case, however, it is clear that this bank only cares about receiving payments. When a real problem arises and you ask them for help, they simply turn their back on you. I definitely do not recommend this bank.

I had finance for 10 days
Then paid it off
No penalty
Or fees
They where helpful

I made overpayment on Saturday 16 aug online put details in agreement num etc also said i wamt to shorten length of time as have been making payment to shorten time. The app isnt best as doesnt tell you overpayment on it. Still hasnt updated as balance is still the same before overpayment. I have fone 3times to chase it. Guy today sounded promising but so did girl before him. Always ask same question do you want to shorten time or pay less with overpayment. Online we need to answer that for overpayment so why need to ask or take all that time should be days and should tell you on app. Also shouldn't need to chase up.

Clear concise instructions from the initial voice message and a speedy reply to my query. It was dealt with in a professional way and any question clarified.

Northridge finance!!

Wow ! How greatful i am to you guys!

Emma Mayo!! You have gone above an beyond for me you are a great servant to your company an im so thankful to you ! You made something very stressful to me so easy!

Lets not also forget your colleague Gareth hughes and Rory Mcmillian you guys never once complained or were difficult with the multiple phone calls!

Im so so greatful to you guys! Il forever be recommending northridge finance!!

A true old fashioned customer first business unheard of in this day and age. If they tell you they will do it they will. They are truely superb!

Thank you so much

Haven’t had much communication with the Northridge finance customer team until the last few days as I had made the decision to settle my finance. As it was my first time I had some questions and worries about it, but the customer service team were very helpful and reassuring. I like the online self service as it makes it easy to access your information.

Everything was fine had the vehicle for 2 years 4 months never missed a single payment and payed in full the remainder just yesterday.
Went to a new garage to get a new car the use yrself so I thought fantastic and you rejected me for a new deal with a main dealer .
Needles to say someone else took my business instead of you so very poor that you deemed me not good enough for your criteria so that's that never using you again
Thanks

regular contact and updates
no hidden surprises

What happened
On 18 July 2025 at about 15:08 (telephone) I spoke with Cara, Customer Services Team Lead. I was shocked by how dismissive and condescending the call felt. I was repeatedly interrupted, my concerns weren’t listened to, and I left the call feeling angry and completely unheard—hardly the example you expect from someone leading customer service.

Further issue (email)
A separate interaction via your central mailbox was similarly frustrating. The reply I received from another representative (name withheld behind the mailbox) was abrupt, lacked basic courtesy, and came across as frankly rude. When customers already feel let down, tone matters.

“Central mailbox” concerns
Your practice of masking staff identities behind a generic address makes accountability and continuity nearly impossible. If I can’t see who responded, how do I know issues are being owned, tracked, or learned from? This approach is unlike other organisations I’ve dealt with and only compounds the frustration when raising a complaint.

What I’ve asked the company to do
• Log Complaint 1 (re: Cara, call 18 July 2025 ~15:08) and give me a complaint reference plus clear next steps and timeline.
• Log Complaint 2 (re: the rude email response from the central mailbox) separately, with its own reference.
• Explain and review the central mailbox / no-names policy; at minimum provide a named case handler or unique staff identifier going forward.
• Discuss a possible agreement exception: I pay the balloon payment, continue current monthly payments, and am permitted to use the vehicle for private hire in the interim. (Realistically, if you plan to sell the car in 2029, market shifts toward EVs could impact value—so let’s find a sensible path now.)

I had car finance with this company and had to contact them on a few occasions, every contact was quick, efficient and friendly. The customer service has been excellent from start to finish. Highly recommend.

No such thing as an online account, no app, nothing for me to view my account details or payments for a business car finance loan.
I find that almost unbelievable in this digital age.

This company was spot-on in its dealings and did everything right - I had updates and advice throughout the term of the agreement and knew what I had to do each step of the way. The only slight detraction was letting me know after I had settled the balance - but this could just be a timing issue.