Understanding Aligned Finance’s Fee Structure

At Aligned Finance, we believe in transparency and putting our customers first. Our fee structure is designed to provide you with a clear understanding of the costs associated with securing a personal loan. We strive to empower you with the knowledge you need to make informed financial decisions.

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Application Brokerage Fee

Where applicable, a broker fee between $0 and $995 (including GST) may apply. The amount will depend on the lender, the loan product and the complexity of your application. Any applicable broker fee will be fully disclosed to you before you enter into a loan agreement.

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Lender's Establishment Fee

Just like many financial institutions, lenders charge an establishment fee. This fee is determined by the lender and is a one-time cost that covers the administrative expenses of setting up your loan. At Aligned Finance, we work diligently to connect you with lenders that offer favourable terms, helping you minimize this cost whenever possible.

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Interest Rates

Interest rates and loan terms vary depending on the lender, the loan product and your individual circumstances. Any applicable interest rate, fees and loan terms will be fully disclosed before you enter into a loan agreement. At Aligned Finance, we collaborate with a selected panel of lenders. Our goal is to match you with a lender whose offering aligns with your financial needs.

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Late Payment Charges

Aligned Finance advocates responsible borrowing. It's essential to make timely loan repayments to avoid late payment charges. Late fees are set by the lender and disclosed in your loan agreement. We encourage you to review the terms carefully and reach out to your lender in case of financial difficulties. Transparent communication is the key to finding suitable solutions.

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Prepayment Penalties

Planning to pay off your loan early? While that's a prudent financial move, some lenders may impose prepayment penalties. These penalties are designed to compensate for the interest the lender would have earned if you had continued making regular payments. At Aligned Finance, we work diligently to connect you with lenders that offer flexible prepayment options, ensuring you have the freedom to achieve financial goals on your terms.

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Third-Party Fees

In certain cases, third-party fees, such as appraisal charges or credit check fees, may be necessary for processing your loan application. These costs are typically determined by the external service providers and may vary depending on the complexity of your loan requirements. At Aligned Finance, we provide you with a comprehensive breakdown of all potential third-party fees, allowing you to plan your finances accordingly.

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A Glimpse of Loan Affordability

Interest rates and loan terms vary depending on the lender, the loan product and your individual circumstances. Any applicable interest rate, fees and loan terms will be fully disclosed before you enter into a loan agreement.

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Informed Decisions for a Stronger Financial Future

Aligned Finance is committed to empowering you to make well-informed decisions. Understanding the fees and costs associated with securing a personal loan is crucial to achieving financial stability. We're here to support you throughout the process, ensuring you have the knowledge and guidance needed to choose the right loan option that aligns with your goals.