Welcome Financial Services (WFS) > Reviews > So how good are they

Author's product rating:   

Promptness of service	Good
Efficiency of service	Good
Competitiveness of charges/rates	Average

Advantages:	Very lenient & friendly
Disadvantages:	APR can be very high

Recommend to potential buyers:

yes

Full review

Welcome Fiancial Services....well what can I say about them. I have had dealings with them for a number of years. I'm probably on my 4th loan with them now. They will finance people with less then a perfect credit score, as well as the perfect score, but their APR can be very high. On the upside, the more you deal with less the more the APR reduces. However, I don't think it ever hits rock bottom. They staff is generally very friendly & provided you keep up the payments they stay off your back (which is usual).
They do like to ensure that you take out insurance as well, but it is not a prerequisate (to the best of my knowledge).
The payouts are quick & if you are looking for a car they have (well used to have) their own showrooms as well.
They appear to have grown a lot in the last few years, which I would say has to do with their flexability & integrity. They are responsible lenders & do go over your fiances with you to ensure you can afford the repayments (they did with us).
I believe they also do mortgages now, but mine isn't through them, so I cannot comment on that.
What I can say is that if you are looking for a loan & are not squake clean, give then ago, they will probably be able to help you.