Purchasing intent of custom sweatshirts from an online provider also showed preference for atypical names.

However, these online providers do ask a series of questions before creating a portfolio based on a client's risk tolerance.

All providers build in a margin of profit ranging from about 1.5 per cent for the cheapest online providers to more than 10 per cent at airports.

Its technology platform integrates consumer finance websites with online providers of loans, insurance and other credit products, while its software assesses more than 400,000 loan applicationsamonth.

Together, it says, they are borrowing 1.2 billion and paying interest of about 13 to 18 per 100 borrowed, and as 30 per 100 with some online providers.