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WARNING ABOUT BORROWING

Do you really need a loan today?

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94.
  • The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

LENDING INFORMATION

Nominal Annual Percentage Rates of Interest Charged (as defined by s.153 of the National Credit Code):

  • $2,000 and under – (Unsecured – permitted monthly fee 4% flat per month. (As set by NCCP. Fee-based loan with 0% interest.)
  • $2,001 – $3,500 – Maximum Nominal Interest Rate is 48%

Associated Fees:

There are No Fees on Application on this website.

Credit Checks:

Today Loans does not perform a credit check until after a professional lending consultant has spoken directly with a client, our lending consultants do not request any personal information such as Date Of Birth and Physical Address to complete a credit check.

Non-Payment Implications:

Financial Implications – Non Payment may result in additional fees being imposed, although these will always be disclosed to you before you enter into any loan agreement. Mis-Payment Fees can range from a minimum of $25 to a maximum of $60. Default fees may also be imposed to a maximum of 200% of the original loan value, these fees will be discussed with customers before loan applications are processed.
Collection Practices – Today Loans prides itself on being an approachable company, bound by its Hardship Policies which are in accordance with government recommendations. Collection policy will always be disclosed to you before you enter into any loan agreement. Please contact us as soon as you become aware that you may not be able to make a repayment, to make alternative arrangements with our loan consultants.

Credit Score:

Non Payment can affect your credit score/history and your ability to borrow in the future.

Repayment period: Minimum repayment period is 6 months, maximum repayment period is 36 months.

What a Today Loan costs:

Example of a $2,500 loan of a Maximum term of 24 months:

Customer: $2,500
Establishment fee: $500
Documentation Fee: $375
Client Ref. Enquiry fee: $375
Suitability Assessment Fee: $85
Nominal percentage (interest) rate: 9%
Comparison rate: 59.8920%
Total Interest payable: $459.67
Transaction fee: $0.99 per transaction (total $102.96)
Total number of repayments: 104
Repayment amount: $41.30
Total amount of repayments: $4,294.67

WARNING: This comparison rate is accurate and applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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