Personal Loans made easy

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1 Who is Loanstoday? Loanstoday is an online personal loan portal that makes it easy for mortgage and finance brokers to submit personal loans with simple and easy to use software. By using the Loanstoday system, you have the opportunity to diversify your income and tap into business you would have most likely referred elsewhere. As you enter an applicant s information, the Loanstoday software determines the most suitable lender for each deal. Once the deal is submitted, you will receive a confirmation outlining any further action required from you (i.e. supporting documents etc.) and your work is done! Commission The commission payable is made up of 2 parts from each loan approved. Part 1: Application Processing Fee (brokerage) This is a fee that is mandated to each loan application (schedule available on website). The APF is added to the total loan amount by the system as the broker creates the loan application. Part 2: Upfront commission Most lenders pay an upfront commission based on the total loan amount. See attached document for amounts. Below are 3 GE Money examples to give you and idea of what commission you can earn from various size personal loans... Loan amount APF (brokerage) Upfront Total Commission (APF + Upfront) $ 25, $ $ $ 1, $ 17, $ $ $ $ 9, $ $ $ What s in it for me? Excellent commission Diversify your income Great for client retention Expand your business potential One place for all your personal loan Software that conveniently determines which lender the deal is most likely to fit with

2 Lender Panel The Loanstoday lender panel currently consists of 4 lenders. Below is some information about each lender...

3 GE Money can help your customers meet the challenges of everyday life with a flexible Personal Loan. Personal Loans available to customers for just about anything. From a holiday to a wedding. A car to school fees. A personal emergency or an extension. We can even lend to borrowers with short residence and employment records, seasonal and contract workers, and new borrowers. Used for: Annual Interest Rate: from 3 months bank statements o New/Used vehicles 14.99% pa Current statement of all o Holidays Establishment fee: $ loans o Debt consolidation Monthly service fee: $10.00 Legible copy of drivers o Holidays Early Termination Fee licence o Furniture o $ if paid out in 1st 2 recent payslips/tax Finance from $4, half of loan term returns/ Accountant o max $40, Unsecured o $75.00 if paid out in 2nd half of loan term prepared financials o max $60, Secured o no fees if paid out in the final 6 months of the Flexible terms from months loan term One easy monthly payment Fixed interest rate for the

4 Liberty Financial provides finance to non business customers buying cars up to 9 years old from Licensed Motor Car Traders/Dealers for personal everyday use. What makes us different is our ability to assess each application on its individual merits and offer solutions that are tailored to your situation. While some lenders try to fit everyone into a box, we pride ourselves in treating everyone as the unique person they are. Used to purchase new and used motor vehicles Annual Interest Rate: from 8.89% pa 3 months bank statements Finance from $8,000 to $100,000 Establishment fee: $ forms of proof of residence Flexible terms from months Monthly service fee: $5.00 Current statement of all loans One easy monthly payment Legible copy of drivers licence Fixed interest rate for the 2 recent payslips/tax returns/ Accountant Flexible structures are available with deposits and balloon payments prepared financials Vehicle must be purchased through Licensed Dealer Vehicles for business use are not acceptable

5 Fair Go Finance is an Australia wide provider of consumer finance offering personal loans up to $5,000. We believe in providing an efficient service and getting the funds to you with-in a 24 hour window from when your application is approved. As the company name implies, as well as those with clean credit our lending criteria considers people with adverse items on their credit file. In adopting this approach we have a wider product range to offer applicants and a better match for your needs and circumstances. Loans $ $5, Interest rates and repayments Identification (i.e. Drivers Max term 12 months will vary depending on the State License, Medicare card, Fast turnaround times that the customer resides in and debit / credit card and / or particulars of that loan (e.g. Centrelink card) Typical clients are seeking date of first repayment and 2 months of bank funds for: frequency of repayments) statements / transaction Paying outstanding defaults history for the account their on credit files income is paid into. An Contributing a larger internet transaction history purchase (e.g. trading in needs to be accompanied and/or purchasing a by a document confirming vehicle) bank account is in the Rental bond and relocation expenses Holidays, medical bills or any worthwhile purpose applicant s name. A recent payslip (or Centrelink income statement) A utility bill, rates notice or letter confirming your current address Registration papers detailing the VIN, engine and registration numbers. (Note: this is a necessity on all loans over $3,000)

6 A simple and flexible solution to purchasing your next car. A simple and flexible solution to purchasing your next car Used to purchase new and used motor vehicles Finance from $5,000 to $150,000 Flexible terms from months One easy monthly payment Fixed interest rate for the Flexible structures are available with deposits and balloon payments Can be used for dealer and private purchases Annual Interest Rate: from 9.15% pa Establishment fee: $ Monthly service fee: $ months bank statements Current statement of all loans Legible copy of drivers licence 2 recent payslips/tax returns/ Accountant prepared financials

7 RACV personal loans are highly competitive with low interest rates. They're available for just about any purpose. Choose a boat, holiday, a motorcycle, a caravan, home improvements or even debt consolidation, you name it! From cars to computers and everything in between. Thinking of buying your dream car? With low rates, no ongoing fees, savings on RACV Car Insurance and 24-hour fast approval RACV Finance will have you in the drivers seat in no time. Used for: Annual Interest Rate: from 3 months bank statements o Car New/Used o Caravan o Motorbike o Boat Finance from $6, to $80, Up to 150% retail value Fast turn around times Term of 5 years One easy monthly payment Fixed interest rate for the % pa Establishment fee: There is an application fee to cover the loan set up Ongoing fees: RACV loans do not have any ongoing fees. Current statement of all loans Recent payslips Legible copy of drivers licence Full details of the vehicle to be bought

8 GE Motor offer finance for a range of vehicles including new and used cars, motorbikes, personal watercrafts, boats, caravans and campervans. Used for: Annual Interest Rate: from Recent payslips o Car New/Used 9.750% pa Legible copy of drivers o Motorbikes Establishment Fee: $ licence o Personal Watercrafts Loan Service Fee: $10.00 Full details of the vehicle to o Boats per month be bought o Caravans Early Termination Fee: o Campervans An Early Termination Fee is Finance from: Motorcycles payable, upon you paying from $3,000, Cars from out this contract early. The $5,000 amount of the fee is Up to 150% retail value $750 if the original loan Fast turnaround times amount exceeds Term of 1-7 years One easy payment - weekly, fortnightly or monthly Fixed interest rate for the $12, % of the original loan amount if $12,000 or less 1 or 2 multiplied by the number of unexpired whole months in the term at the time this contract is paid out, divided by the number of whole months in the term Late Payment Fee: $60.00

9 Center One Finance (COF) has been helping credit challenged clients secure personal and car finance for amounts from $5,000 to $20,000 since If you have bad credit and are looking for a personal loan or car loan we may be able to help you if you meet the following initial criteria:- 1. You are able to provide security to back the loan (typically in the form of an unencumbered asset such as a motor vehicle, boat, truck, etc); and 2. You can confirm a consistent and regular income. Used for: Annual Interest Rate: from 3 months bank statements o New/Used vehicles % pa Current statement of all o Debt consolidation Establishment fee: $ loans o Furniture ($ for Victorian 3 months recent payslips Finance from $5, to clients) Legible copy of drivers $20, Early exit fee of $95 if paid licence Fast turnaround times out within first 2 years Full details of the vehicle to Term of 2-5 years be bought or used as One easy monthly payment security Fixed interest rate for the

10 Whether you're looking for a new car, to consolidate your debts, or even to take the family on holiday, a Suncorp Bank Personal Loan can help you get there sooner. Used for: Establishment fee: $ months bank statements o Refinancing or debt Monthly service fee: $5.00 Current statement of all consolidation Early termination fee: up to loans o A boat, caravan or trailer $ Legible copy of drivers licence o Debt consolidation 2 recent payslips/tax o Education returns/ Accountant o Furniture and prepared financials household goods o Holiday o Medical expenses Finance from $5, Flexible terms from months Weekly, fortnightly or monthly repayments Fixed interest rate for the Additional payments available

11 Whatever you're aiming for, an ANZ Personal Loan could help make it reality. It might be for home improvements, a way to consolidate your debts, the holiday you've worked so hard for, or the wedding you've always dreamed of. With flexible payment options and competitive interest rates our personal loans could be a great way to take control of your finances and make the most of today. Used for: Establishment fee: $ Establishment fee: $ o home Monthly service fee: $10.00 Monthly service fee: $10.00 improvements Early termination fee: up to Early termination fee: up to o Holidays $ $ o Debt consolidation o Furniture o Wedding Finance from $5, Flexible terms from months One easy monthly payment Fixed interest rate for the Additional payments available Redraw available