Broker Portal - Product Information

### For MONEYME Brokers

Welcome to MONEYME's broker program. This article contains quick-reference information for broker partners.

### Product Comparison Table

| Feature | Personal Loan | Car Finance | Credit Card |

|---------|---------------|-------------|-------------|

| **Amount** | $2,100 - $35,000 | $5,000 - $75,000 | $1,000 - $15,000 |

| **Rate Range** | 9.9% - 24.9% | 7.9% - 19.9% | 19.9% (fixed) |

| **Term** | 12-60 months | 12-84 months | Revolving |

| **Min Income** | $25,000 | $30,000 | $25,000 |

| **Est. Fee** | $0-$990 | $0-$990 | $0 |

| **Early Exit** | No fee | No fee | N/A |

| **Approval Time** | Instant-24hrs | Instant-24hrs | Instant-24hrs |

### Current Interest Rates (March 2026)

#### Personal Loans

- **Best rate:** 9.9% p.a. (excellent credit, high income)

- **Standard rate:** 15.9% p.a. (good credit)

- **Higher risk:** 20.9% - 24.9% p.a.

#### Car Finance

- **New vehicles:** 7.9% - 12.9% p.a.

- **Used vehicles (3-7yrs):** 9.9% - 16.9% p.a.

- **Older vehicles (8-12yrs):** 12.9% - 19.9% p.a.

#### Credit Cards

- **Purchase rate:** 19.9% p.a. (all applicants)

- **Cash advance:** 21.9% p.a.

### Broker Commission Structure

**Personal Loans:**

- Upfront: 2.5% of loan amount

- Trail: 0.5% p.a. (paid quarterly)

**Car Finance:**

- Upfront: 3% of loan amount

- Trail: 0.5% p.a. (paid quarterly)

**Credit Cards:**

- Upfront: $100 per approved card

- Trail: $5 per month (active cards)

### Application Submission

**Via Broker Portal:**

1. Login to broker.moneyme.com.au

2. Complete application form

3. Upload ID documents

4. Submit for assessment

**API Integration:**

Available for high-volume brokers. Contact [e-mail]

### Approval Guidelines

**Strong Applications:**

- Credit score 700+

- Stable employment (6+ months)

- DTI ratio under 40%

- No recent adverse credit

**Refer to Credit:**

- Credit score 600-699

- Recent job change

- DTI ratio 40-50%

- Minor credit blemishes

**Likely Decline:**

- Credit score under 600

- Multiple recent defaults

- DTI ratio over 50%

- Bankruptcy or Part IX

### Common Decline Reasons

1. **Insufficient income** (35% of declines)

2. **Credit history concerns** (30% of declines)

3. **High existing debt** (20% of declines)

4. **Affordability issues** (10% of declines)

5. **Identity verification failure** (5% of declines)

### Broker Support

**Phone:** 1300 669 060

**Email:** [e-mail]

**Hours:** Monday-Friday, 8am-6pm AEST

**Portal:** broker.moneyme.com.au

### Workshopping Applications

**When to workshop:**

- Complex credit history

- Non-standard income

- Large loan amounts

- Unusual circumstances

**How to workshop:**

- Call broker support line

- Provide scenario details before applying

- Get guidance on likelihood of approval

- Understand documentation requirements