THIS  WARRANT AND THE SHARES OF STOCK OF  FINET.COM,  INC. TO BE ISSUED UPON ANY

EXERCISE  OF THIS  WARRANT  HAVE NOT BEEN  REGISTERED  WITH THE  SECURITIES  AND

EXCHANGE  COMMISSION UNDER THE SECURITIES ACT OF 1933, AS AMENDED,  OR UNDER ANY

STATE  SECURITIES  LAWS AND ANY  SALE,  TRANSFER,  PLEDGE  OR OTHER  DISPOSITION

THEREOF  MAY BE MADE  ONLY (i) IN A  REGISTRATION  UNDER  SAID ACT OR (ii) IF AN

EXEMPTION FROM REGISTRATION  UNDER SAID ACT AND APPLICABLE STATE SECURITIES LAWS

IS  AVAILABLE  AND THE COMPANY HAS RECEIVED AN OPINION OF COUNSEL TO THAT EFFECT

REASONABLY SATISFACTORY TO IT.





                                 FINET.COM, INC.



                          COMMON STOCK PURCHASE WARRANT

                TO PURCHASE__________ SHARES OF THE COMMON STOCK

                                                OF FINET.COM, INC.



                      This Warrant Expires __________, 2005



Warrant No. _________





     THIS CERTIFIES that,  subject to the terms and conditions set forth in this

Warrant,  ________________________  (the  "Holder") is entitled to purchase from

FINET.COM,  INC., a Delaware  corporation (the  "Company"),  at any time or from

time to time  during the  Exercise  Period (as  defined in Section 15 below) the

number of fully paid and  non-assessable  shares of common stock, par value $.01

per share,  of the Company (the  "Shares") as provided  herein upon surrender of

this Warrant at the principal office of the Company, and, at the election of the

Holder,  upon  payment  of the  purchase  price  at  said  office  in cash or by

cashier's check or by the wire transfer of funds in a dollar amount equal to the

purchase price of the Shares for which the consideration is being given.





     This Warrant  shall be  exercisable  for that number of Shares as set forth

above.



     1. Purchase Price.

        --------------



     The purchase price of one share of Common Stock (or such  securities as may

be  substituted  for one share of Common Stock  pursuant to the  provisions  set

forth below) (the "Warrant Price") shall be Seventy-Five Cents ($0.75).



     2. Adjustment of Warrant Price and Number of Shares.

        ------------------------------------------------



     The  number  and kind of  securities  issuable  upon the  exercise  of this

Warrant shall be subject to  adjustment  from time to time upon the happening of

certain events as follows:



          (a) Adjustment for Dividends in Stock. If, at any time on or after the

date  hereof,  the holders of the Common  Stock of the Company (or any shares of

stock or other  securities  at the time  receivable  upon the  exercise  of this

Warrant)  shall have  received,  or, on or after the  record  date fixed for the

determination of eligible  stockholders,  shall have become entitled to receive,

without  payment  therefor,  other or additional  stock of the Company by way of

dividend  (other than as provided for in Section  2(b) below),  then and in each

such case,  upon the exercise of this  Warrant,  the Holder shall be entitled to

receive,  in addition  to the number of shares of Common  Stock  receivable  and

without  payment of any  additional  consideration,  the amount of such other or

additional  stock of the Company  which the Holder would  receive on the date of

such  exercise had it been the holder of record of such Common Stock on the date

hereof  and had  thereafter,  during  the  period  from the date  hereof  to and

including  the date of such  exercise,  retained  such  shares  and/or all other

additional  stock  receivable  by it during such period and given  effect to all

adjustments called for during such period by this Section 2.



          (b) Adjustment for Changes in Common Stock. In the event of changes in

the   outstanding   Common  Stock  of  the  Company  by  reason  of   split-ups,

recapitalizations,  reclassifications,  mergers, consolidations, combinations or

exchanges of shares, separations,  reorganizations,  liquidations,  or the like,

the number and class of shares  available under the Warrant in the aggregate and

the Warrant Price shall be correspondingly adjusted by the Board of Directors of

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