Referrals, made simple
Get back to what you do best and leave the other types of finance to us!

Referrals of personal loans, business loans & car loans made simple!
Get back to what you do best and leave the other types of finance to us!
Referral Partner Benefits

We Take Care of Everything
Refer a Name and Number via our online Deal Portal or Via our Mobile App’s

Free Marketing Materials
Send us your Logo and we will customise Marketing Material for you.

Excellent Commissions
Excellent Commission paid direct to you, the next business day from Settlement

Australian Owned & Operated
Deal with Australians working towards supporting Australian’s

30+ Years of Finance Experience
We know what a deal is and how to structure it to make it work

Join over 500+ other referrers
You are not alone, we have the largest referral network in Australia for Personal Loans
How it works
We Contact Your Client
Our service standard is that we call your clients within 2 hours during standard business hours. We let them know we work alongside you and we discuss their exact requirements.
You will receive notifications through each stage via SMS, Phone and Email.



Refer in Seconds
We just need a name and number from you.
Refer a deal via the online portal, via chat feature, email, phone or WhatsApp.
Approved
No Matter how long it takes we work towards getting the loan approved for your clients.

Congratulations, Referral Settle, You Get Paid
This is the point of the process that we get to say … Congratulations your Referral has settled. The client is happy and we get to send you the referral fee direct to your bank account.
100% no obligation
Introducing,

by financemi
Turn your browsing clients in to referral commission with direct.refer ™. Our system allows you to place an application form directly on any page of your website, that direct refers your personal loan clients directly to us at financemi.
You are automatically tagged to the deal and upon settlement are paid the standard referral fee.
Our IT experts will install everything directly on your website, nothing to do from your end
No effort from you. No paperwork. Just straight through referrals.
*Automatic approval for direct.refer ™ when you sign up as a referral partner
Here are just some of the Personal Loan purposes we can Help you with
We can assist with any legitimate purpose such as Lite Doc Personal Loans for Self Employed, Personal Loans for Tax, Medical and Dental
Most common personal loan purposes


Don’t have direct.refer? Well referring is now even more simple, via chat on Mobile or Laptop?
On a Laptop, Mobile Phone or any Device is our Chat Button. Just click it and our automated chatbot will take your referral and add it to our teams pipeline.
Just click the Blue Chat Box on the bottom right of any page at www.financemi.com.au and follow the Referrer prompts to refer a deal today.
What Clients Say About Our Service

Here is an estimate of the repayments for your clients
On a Laptop, Mobile Phone or any Device is our Chat Button. Just click it and our automated chatbot will take your referral and add it to our teams pipeline.
Just click the Blue Chat Box on the bottom right of any page at www.financemi.com.au and follow the Referrer prompts to refer a deal today.
It only takes 30-seconds to become a Referral Partner
When you partner with Financemi, you’re partnering with a trusted and responsible online solution that delivers results for you and your clients.
Our Referral Partner program has been designed with you in mind and to refer a client we only require their name, number and loan amount details for us to get started.
With over 50 years of industry experience lending funds to clients, we are Australia’s trusted name in finance. By joining the program you can use this experience to improve your client’s access to funding.
By joining as a partner, you agree to our privacy policy & terms of use and you are Automatically eligible for our Direct.Refer program. We will send you additional information regarding this.
Frequent questions?
-
The maximum people can borrow is dependent on their credit file, as well as their ability to repay the loan*
Loan amounts are typically from $5,000 to $50,000 unsecured or higher with some security (car or motorbike), typically the maximum secured loan is $70,000.
We can and have assisted clients with higher amounts than this but requires structuring to achieve this.
-
direct.refer ™ by Financemi now allows you to have a personal application form on your website. Every time a client completes the form and the application settles you get paid.
All referral partners are automatically accredit for direct.refer
No paperwork, time or effort for you. Same referral commission
-
Put simply we do not market to your clients. Your client is your client for life and is tagged in our system when you refer a deal. No matter if the client comes directly to us in the future, you will still receive a referral payment.
With that said we do send scheduled emails to the client to ensure they are having no issues with the facility and meeting repayments ongoing.
-
Referral commission is paid in 2 tiers:
- Personal Loans from $4,000 to $15,000 is $150 for referral of a name and number only
- Personal Loans from $15,001 above is $300 for referral of a name and number only
-
We pay your referral fee within 72 hours of settlement.
The process is that once the deal settles the team will contact you via phone or email to advise of settlement and request an invoice from you for payment.
Once the invoice is received we will make payment.
-
We have loads of different options for you to refer a deal to us:
- Via the referral portal – Click here to access
- Via the Chat feature of our website – Bottom right on any page
- Via email direct
- Via WhatsApp
- Via Phone
-
Our automated system will send you an SMS at set points throughout the process, including when we first speak to a customer, application received and when the deal reaches settlement.
Our team will also speak to you via phone and also contact you via email through different stages of the deal, when the deal has been allocated to a member of the team.
-
No not at all. We do not require aggregation approvals as all referral agreements are as such, a referral agreement.
We have referrers from virtually all aggregation companies that we deal with.
-
We normally supply our 1 page referral agreement within 72 hours, however during busy periods we may hold off until we receive the first referral from you.
In most cases we will contact you via phone to discuss referring business and how we operate. At this point we normally send the agreement out for electronic signing by you.
-
We have the largest panel of lenders available to us in Australia. Lenders you know and trust as well as some you may never heard of.
What this means is that we have a lender for nearly every scenario.
-
Absolutely, in fact we specialise in providing finance for individuals who are self-employed. In order to be eligible to apply for a personal loan, their business’ ABN must have been registered for a minimum of 12 months (and) they must be able to provide either their ATO issued Individual Notice of Assessment or we have a Lite-Doc option that requires confirmation of year to date income via a letter from their accountant, which we have a template for!
Personal loans must generally be used wholly for an accepted personal purpose(s), however we do have a lender on our panel that will accept wholly business purpose.
-
We may be able to assist, but the basics are that nearly all personal loan lenders in Australia require their clients to have a good credit score.
When we review their application the first thing we do is review their credit file (we have no impact on the score). If they have a poor score we will advise them accordingly with any options.
-
Great question. We can provide interest rates from 6.99% through to approximately 16.95%*
In most cases we can provide you the interest rate and terms upfront, all without affecting your clients credit score!
Please note: The end interest rate is decided by the lender and based on a number of factors including their history, credit score, stability in job and address.
The more stable they are the better the deal we can get your client.
Our goal is to make referring a personal loan simple.
IMPORTANT INFORMATION
All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 6.49%pa to 22.95%pa
*Comparison rates are based on a loan of $30,000 over 5 years.
WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly
*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.
© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd
How Referring Works

Refer in Seconds
We just need a name and number from you, which can be lodged via the chat feature or via the online portal.


We Contact Your Client
We will call your clients within 2 business hours. We let them know we work together we discuss their exact requirements.


Approved
No Matter how long it takes we work towards getting the loan approved for your clients.


Congratulations, Referral Settle, You Get Paid
This is the point of the process that we get to say … Congratulations your Referral has settled. The client is happy and we get to send you the referral fee direct to your bank account.
Introducing,

by financemi
With direct.refer ™ you can now place an application form directly on any page of your website that direct refers the personal loan to financemi.
You are automatically tagged to the deal and upon settlement are paid the standard referral fee.
Our IT experts will install everything directly on your website, nothing to do from your end
No effort from you. No paperwork. Just straight through referrals.
*Automatic approval for direct.refer ™ when you sign up as a referral partner
Referring is Now Even Easier
On a Laptop, Mobile Phone or any Device is our Chat Button. Just click it and our automated chatbot will take your referral and add it to our teams pipeline.
Just click the Blue Chat Box on the bottom right of any page at www.financemi.com.au and follow the Referrer prompts to refer a deal today.

Estimate Repayments for Your Client’s
If you need to give your clients an estimate of their repayments, here is our Personal Loan Repayment Calculator.
Complete the Form to Become a Partner
It only takes 30-Seconds to complete the form and Become a Referral Partner:
By joining as a partner, you agree to our privacy policy & terms of use.
Frequent questions?
-
The maximum people can borrow is dependent on their credit file, as well as their ability to repay the loan*
Loan amounts are typically from $5,000 to $50,000 unsecured or higher with some security (car or motorbike), typically the maximum secured loan is $70,000.
We can and have assisted clients with higher amounts than this but requires structuring to achieve this.
-
direct.refer ™ by Financemi now allows you to have a personal application form on your website. Every time a client completes the form and the application settles you get paid.
All referral partners are automatically accredit for direct.refer
No paperwork, time or effort for you. Same referral commission
-
Put simply we do not market to your clients. Your client is your client for life and is tagged in our system when you refer a deal. No matter if the client comes directly to us in the future, you will still receive a referral payment.
With that said we do send scheduled emails to the client to ensure they are having no issues with the facility and meeting repayments ongoing.
-
Referral commission is paid in 2 tiers:
- Personal Loans from $4,000 to $15,000 is $150 for referral of a name and number only
- Personal Loans from $15,001 above is $300 for referral of a name and number only
-
We pay your referral fee within 72 hours of settlement.
The process is that once the deal settles the team will contact you via phone or email to advise of settlement and request an invoice from you for payment.
Once the invoice is received we will make payment.
-
We have loads of different options for you to refer a deal to us:
- Via the referral portal – Click here to access
- Via the Chat feature of our website – Bottom right on any page
- Via email direct
- Via WhatsApp
- Via Phone
-
Our automated system will send you an SMS at set points throughout the process, including when we first speak to a customer, application received and when the deal reaches settlement.
Our team will also speak to you via phone and also contact you via email through different stages of the deal, when the deal has been allocated to a member of the team.
-
No not at all. We do not require aggregation approvals as all referral agreements are as such, a referral agreement.
We have referrers from virtually all aggregation companies that we deal with.
-
We normally supply our 1 page referral agreement within 72 hours, however during busy periods we may hold off until we receive the first referral from you.
In most cases we will contact you via phone to discuss referring business and how we operate. At this point we normally send the agreement out for electronic signing by you.
-
We have the largest panel of lenders available to us in Australia. Lenders you know and trust as well as some you may never heard of.
What this means is that we have a lender for nearly every scenario.
-
Absolutely, in fact we specialise in providing finance for individuals who are self-employed. In order to be eligible to apply for a personal loan, their business’ ABN must have been registered for a minimum of 12 months (and) they must be able to provide either their ATO issued Individual Notice of Assessment or we have a Lite-Doc option that requires confirmation of year to date income via a letter from their accountant, which we have a template for!
Personal loans must generally be used wholly for an accepted personal purpose(s), however we do have a lender on our panel that will accept wholly business purpose.
-
We may be able to assist, but the basics are that nearly all personal loan lenders in Australia require their clients to have a good credit score.
When we review their application the first thing we do is review their credit file (we have no impact on the score). If they have a poor score we will advise them accordingly with any options.
-
Great question. We can provide interest rates from 6.99% through to approximately 16.95%*
In most cases we can provide you the interest rate and terms upfront, all without affecting your clients credit score!
Please note: The end interest rate is decided by the lender and based on a number of factors including their history, credit score, stability in job and address.
The more stable they are the better the deal we can get your client.
Partner Benefits

We Take Care of Everything
Refer a Name and Number via our online Deal Portal or Via our Mobile App’s

Australian Owned & Operated
Deal with Australians working towards supporting Australian’s

30+ Years of Finance Experience
We know what a deal is and how to structure it to make it work

Free Marketing Materials
Send us your Logo and we will customise Marketing Material for you.

Excellent Commissions
Excellent Commission paid direct to you, the next business day from Settlement

Join over 500+ other referrers
You are not alone, we have the largest referral network in Australia for Personal Loans



Your privacy is extremely important to us. All information is kept completely secure and confidential.
IMPORTANT INFORMATION
All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 8.95%pa to 22.95%pa
*Comparison rates are based on a loan of $30,000 over 5 years.
WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly
*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.
© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd