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https://moneyplace.com.au/help/fees-and-charges/application-fees/

We know that when you ask for a certain loan amount, you don’t want less. We add your Establishment Fee to your loan, so you don’t have to pay for it out of your pocket.

For example, if you need $5,000 to buy a car and your Establishment Fee is $300, we’ll add the fee to your loan so that your total loan amount will be for $5,300. We will automatically deduct the $300 Establishment Fee when we disburse the proceeds of your loan and so you’ll receive $5,000. This way, you’ll never be left out of pocket.