Complete transparency about how we earn money, how we rank lenders, and why our commissions don't affect the rates or terms you receive. Understanding our business model helps you make informed decisions.
Last Updated: January 2025
Commissions don't affect rankings — We rank lenders objectively based on rates, features, and service quality.
You pay nothing — Our service is 100% free for consumers. Lenders pay us, not you.
ASIC-licensed only — We only work with lenders who hold valid Australian Credit Licences.
Loan Platform Australia (operated by Maloni s.r.o.) is a commission-based comparison service. We earn money by referring customers to ASIC-licensed lenders. Here's exactly how it works:
You visit our website, enter your loan requirements, and compare lenders. This service is completely free — you pay nothing to use Loan Platform Australia.
Based on your requirements, we display lenders who offer suitable products. You can compare interest rates, fees, loan terms, and customer reviews.
When you click "Apply Now" or similar buttons, you're redirected to the lender's website (or we forward your application with your consent). You complete the application directly with the lender.
The lender independently assesses your application using their own criteria. If approved, they offer you a loan with specific terms (interest rate, fees, repayment schedule).
If you accept the loan and it settles (funds are disbursed), the lender pays us a commission. This commission is typically a percentage of the loan amount or a flat fee, depending on our agreement with each lender.
Important: The commission does not increase your interest rate or add any fees to your loan. Lenders pay us from their own revenue, not from your repayments. The rate and terms you receive are identical to what you would get applying directly to the lender.
Commissions vary by lender and product type. Here are typical ranges:
Personal Loans (Secured)
0.5% – 2% of loan amount, or $200 – $800 flat fee
Personal Loans (Unsecured)
1% – 3% of loan amount, or $300 – $1,200 flat fee
Payday/Small Amount Loans
$50 – $150 flat fee per approved loan
Note: Actual commissions depend on our specific agreements with each lender. These figures are industry averages for transparency.
Here are examples of what we might earn:
Example 1: $10,000 Personal Loan
Commission: 1.5% = $150
You pay 0% more in interest or fees. The lender pays us $150 from their profit margin.
Example 2: $50,000 Car Loan
Commission: 0.8% = $400
You receive the same rate as a direct applicant. The lender pays us $400 for the referral.
Example 3: $2,000 Payday Loan
Commission: Flat fee = $80
Your fees and interest are identical to applying directly. The lender pays us $80.
Critical point: The commission we earn does not influence how we rank lenders. We use an objective, weighted scoring system based on consumer value, not our revenue.
Base interest rate, comparison rate, establishment fees, monthly fees, early repayment fees, and other charges. Lower rates = higher ranking.
Loan amount range, term flexibility, repayment frequency options, redraw facilities, offset accounts, and other borrower-friendly features.
Average approval time, online application availability, required documentation, settlement speed, and application ease-of-use.
Verified customer reviews, AFCA complaint data, industry reputation, customer service quality, and borrower satisfaction scores.
Example: If Lender A pays us 2% commission but has high fees and poor reviews, they will rank lower than Lender B who pays us 1% but offers better rates and service.Consumer value always comes first.
To maintain trust and comply with ASIC guidelines, we explicitly do not:
We do not boost lenders who pay higher commissions. Rankings are based solely on the scoring system above.
If a lender offers the best deal for your needs, we display them — regardless of commission structure.
We only work with lenders who hold valid Australian Credit Licences (ACL) issued by ASIC. No exceptions.
You never pay us for using our platform, submitting applications, or receiving comparisons. If a lender charges fees, those are their fees (disclosed upfront), not ours.
We display rates, fees, and terms as provided by lenders. We do not hide costs or exaggerate benefits.
Lenders make independent decisions. We do not promise approval or specific outcomes, regardless of commission incentives.
We carefully vet all lender partners to ensure they meet minimum standards for consumer protection:
We regularly review partners and remove those who fail to maintain standards or receive excessive AFCA complaints.
To illustrate typical loan costs and our commission structure:
Note: This is a representative example only. Actual rates, fees, and terms depend on your individual circumstances and the lender's assessment. Commissions vary by lender and product.
Occasionally, lenders may pay for sponsored placements (marked with a "Sponsored" label) at the top of search results. These placements do not affect organic rankings below them. Sponsored lenders still meet all our partner standards and must hold valid ACLs.
Some lenders offer performance-based bonuses (e.g., higher commissions if we refer a certain volume of customers). These bonuses do not influence individual rankings or which lenders we display to you. Rankings remain based on our scoring system.
Loan Platform Australia acts as a credit referrer but does not provide credit assistance as defined under the NCCP Act. We do not assess your suitability for specific products or provide recommendations — we simply display options for you to compare.
If you require personalised credit advice, please consult a licensed financial adviser or credit counsellor (contact the National Debt Helpline for free help).
We're committed to full transparency. If you have questions about how we earn money, how we rank lenders, or any aspect of our business model, please contact us:
Email: disclosures@loan-platform.com
Subject: Commission or Ranking Inquiry
We'll respond within 5 business days with detailed explanations.
Now that you understand how we work, compare ASIC-licensed lenders with confidence. Our rankings prioritise your needs, not our revenue.