auxmoney
auxmoney is a Düsseldorf-based digital consumer-lending platform founded in 2007 that intermediates €1,000–€50,000 personal loans for German borrowers using its proprietary AI-driven auxmoney Score, funded via ABS capital markets and a network of partner banks.
- Company typePrivate
- Founded2007
- HeadquartersDüsseldorf, Germany
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What auxmoney does
auxmoney GmbH operates a digital consumer-lending platform founded in 2007 and headquartered in Düsseldorf, Germany, with 101–250 employees. The company intermediates personal loans ranging from €1,000 to €50,000 for German consumers — including self-employed borrowers and those without standard income documentation — through a fully digital application flow (loan request in five minutes, credit decision in seconds, disbursement within 24 hours) accessible via its website and iOS/Android apps.
The core technology layer is the proprietary auxmoney Score, a statistical/AI credit-scoring model that combines credit-bureau data (SCHUFA, Creditreform Boniversum, CRIF, Experian, infoscore), PSD2-sourced bank statements via Qwist, and behavioral and financial inputs to assign borrowers to risk classes. Identity verification uses IDnow's Video-Ident and AutoIdent, document processing uses OCR, and fraud detection relies on SEON. Loans are originated primarily through SWK Bank and serviced by CreditConnect, with the company's role centered on scoring, intermediation, and investor matching through its Anleger-Cockpit. AI-assisted chatbots and NLP-based response generation support the customer-service function.
Commercially, auxmoney monetizes through loan-facilitation and transaction fees, referral commissions from a financing-partner network (ING-DiBa, Duratio, Maxda, Boncred, Advanzia), insurance distribution via Lifestyle Protection, ABS issuance in public capital markets (over €3.5 billion placed since 2021, including a €950 million German/Dutch dual issuance in October 2025 with 40+ institutional investors), and prior debt facilities from Citi, Natixis, BNP Paribas, and Aegon. Customer acquisition combines SEO, comparison-portal partnerships, affiliate networks (financeAds, Adtraction), and paid social. The company expanded internationally in August 2023 by acquiring a majority stake in Dutch credit marketplace Lender & Spender (Amsterdam, 32 employees, ~€200 million in annual loan originations). The executive team comprises five Geschäftsführer including co-founder and CEO Raffael Johnen.
auxmoney firmographics
Firmographics- Name
- auxmoney
- Legal name
- auxmoney GmbH
- Website
- https://auxmoney.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- auxmoney is a Düsseldorf-based digital consumer-lending platform founded in 2007 that intermediates €1,000–€50,000 personal loans for German borrowers using its proprietary AI-driven auxmoney Score, funded via ABS capital markets and a network of partner banks.
- Ownership category
- akta.pro rank
auxmoney industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where auxmoney is headquartered
LocationHeadquarters
- HQ city
- Düsseldorf
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
auxmoney business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Loan Facilitation Fees: auxmoney facilitates consumer loans by connecting borrowers with the SWK Bank (lending bank) and investors. The company earns fees for loan intermediation, matching borrowers with financing partners and managing the credit process through its platform.
- Commission from Financing Partners: auxmoney receives commission payments from financing partners (ING-DiBa, Duratio, Maxda, Boncred) when loans are successfully originated through their platform referrals.
- Insurance Distribution Commission: auxmoney acts as an insurance agent for rest credit insurance (Restkreditversicherung) through Lifestyle Protection AG, earning commissions for policy sales.
- Capital Markets / ABS Issuance: auxmoney issues asset-backed securities (ABS) in public capital markets. The company has raised significant debt capital through securitization transactions, including €950 million in October 2025 and €425 million securitization in 2025, with over €3.5 billion in total ABS placed since 2021.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Consumer loans ranging from €1,000 to €50,000 |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
auxmoney product offering
Product offeringCore offering
auxmoney operates a digital consumer lending platform that connects borrowers seeking personal credit (€1,000–€50,000) with retail and institutional investors via a peer-to-peer model intermediated through SWK Bank. The platform leverages an AI-powered proprietary credit scoring system to assess borrower risk and enable inclusive lending for consumers who may be excluded by traditional banks. Supplementary offerings include a co-branded credit card (with Advanzia Bank), credit protection insurance, and an institutional investment platform.
Product overview
auxmoney operates as a digital consumer lending platform with a modular product architecture. The core platform consists of multiple loan products (Privatkredit, Sofortkredit, Kredit für Selbstständige, Onlinekredit, Kredit ohne Einkommensnachweis) unified by the proprietary auxmoney Score credit scoring system. Supplementary offerings include the auxmoney credit card (via Advanzia Bank partnership), Restkreditversicherung insurance, and the Einfach-Mehr-Paket service bundle. The platform connects borrowers seeking loans with investors through a P2P lending model, with loans primarily originated through SWK Bank. The ecosystem includes the auxmoney App for mobile access, an investor cockpit for lender management, and the recently acquired Lender & Spender brand for Dutch market expansion.
Differentiator
Problem solved
Functional benefit
Products and services
- Privatkredit (Private Loan) Core consumer loan product allowing borrowers to request loans from €1,000 to €50,000 for personal purposes such as furniture, vacation, education, debt consolidation, and auto financing.
- Sofortkredit (Instant Credit) Fast-track credit option with rapid decision-making and funding availability for borrowers needing quick access to financing.
- Kredit für Selbstständige (Self-Employed Loan) Specialized loan product designed for self-employed individuals, addressing the unique credit assessment needs of borrowers without traditional employment documentation.
- Onlinekredit (Online Loan) Fully digital loan application process from inquiry to disbursement, completed 100% online without paperwork.
- Firmenkredit (Business Loan) Business credit product targeted at small business owners for financing purposes such as business formation, working capital, and equipment purchases.
- Kredit ohne Einkommensnachweis (Loan Without Income Verification) Alternative loan product that does not require traditional income documentation, designed for borrowers who may not have standard proof of income.
- auxmoney Kreditkarte (Credit Card) Credit card product issued in partnership with Advanzia Bank (Gebührenfrei), offered as a supplementary financial product through the auxmoney platform.
- Restkreditversicherung (Credit Protection Insurance) Voluntary insurance product offered in partnership with Lifestyle Protection AG to protect borrowers against life events affecting loan repayment ability.
- Einfach-Mehr-Paket Service bundle provided through Mehrwerk partnership including online cashback, travel refunds, identity protection, credit certificate, and wallet protection features.
- Finanzpilot Financial management tool for customers to monitor and manage their loan and financial planning activities.
- Lender & Spender (Dutch Marketplace) Dutch consumer credit marketplace acquired by auxmoney as a majority stake, operating independently under its own brand in the Netherlands and facilitating nearly €200 million in new loans annually.
- Institutional Investment Platform (auxmoney-investments.com) Investment platform for retail and institutional investors seeking exposure to consumer loan portfolios through the Anleger-Cockpit, ABS issuance, and direct investment structures. Over €3.5 billion in ABS placed since 2021 debut.
Quantifiable outcome
- Credit decision in seconds, funds disbursed within 24 hours
- +4 more outcomes
Companies that use auxmoney
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
auxmoney technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability6 records
Feature6 records
auxmoney partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Lender & Spendercoreauxmoney acquired a majority stake in Dutch credit marketplace Lender & Spender in August 2023. The acquisition expands auxmoney's international presence and product range into the Netherlands. Lender & Spender facilitates nearly €200 million in new loans annually and operates under its own brand in Amsterdam with 32 employees. The partnership followed a successful collaboration beginning in 2022 that resulted in fivefold growth in loan origination for Lender & Spender.
- SWK Bank (Süd-West-Kreditbank Finanzierung GmbH)coreSWK Bank is the primary lending bank partner for auxmoney's investor-based financing model. Investors purchase loan claims from SWK Bank, and SWK Bank handles loan origination, contract management, and compliance. SWK Bank conducts independent creditworthiness assessments under German banking regulations (§18a KWG, §505a BGB).
- CreditConnect GmbHcoreCreditConnect handles loan servicing, debt collection, and investor reporting for auxmoney's peer-to-peer loans. They manage the Anleger-Cockpit for investor communication and transmit credit history data to credit bureaus.
- IDnow GmbHcoreIDnow provides video identification and electronic signature services for auxmoney's KYC/AML compliance during loan contract signing. Services include Video-Ident and AutoIdent (bank identification) verification methods.
- Lifestyle Protection AG / Lifestyle Protection Lebensversicherung AGminorauxmoney acts as insurance agent for rest credit insurance products offered by Lifestyle Protection. auxmoney earns commission on policy sales and handles insurance application processing through its platform.
- ING-DiBa AG, Duratio GmbH, Maxda Darlehensvermittlungs GmbH, Boncred Finanzvermittlungs GmbHminorFinancing partner network where auxmoney transmits borrower credit applications and receives financing proposals from partner banks and brokers for alternative loan options outside the P2P model.
- Advanzia Bank S.A.minorAdvanzia Bank issues credit cards offered through auxmoney's platform. auxmoney acts as intermediary, collecting application data and forwarding to Advanzia for decisioning, earning referral commission.
- financeAds GmbH & Co. KG and Adtraction Deutschland GmbHminorAffiliate marketing network partners for auxmoney's partner program. Tracking pixels are used to attribute customer referrals from affiliate partners and calculate commission payments.
- Mehrwerk GmbHminorPartner for the 'Einfach-Mehr-Paket' (Easy-More-Package) offering additional services including online cashback, travel refunds, identity protection, credit certificates, and wallet protection. auxmoney earns account opening commissions.
- Creditreform Boniversum, CRIF, Experian, infoscore, SCHUFAcoreCredit bureaus providing credit scores, negative characteristics, and fraud indicators for borrower creditworthiness assessment. auxmoney receives and transmits credit data for loan decisioning and reports loan performance back to bureaus.
Scale indicators10 records
Recent moves5 records
Expansion highlights6 records
auxmoney competitors and assessment
Company assessmentDirect peers
- Smava: Smava is a leading German online consumer loan comparison and brokerage platform, operating in the same direct-to-consumer unsecured personal loan market as auxmoney with overlapping AI scoring and bank partnership model.
- Younited Credit: Younited is a French consumer credit marketplace operating across multiple European countries with AI underwriting and bank partnerships — a near-twin operating model to auxmoney's with similar cross-border expansion ambitions.
- Zopa: Zopa is a UK P2P consumer lending pioneer that originated the marketplace model auxmoney uses, with similar digital underwriting, retail investor platform, and UK bank partnership for origination.
- Credit24: Credit24 is a Germany-based digital consumer lender offering small-ticket personal loans with automated decisioning, directly competing with auxmoney in the same German underserved-borrower segment.
- Funding Circle: Funding Circle is a UK-founded P2P/originate-to-distribute SME and consumer lender that pioneered the European marketplace lending model auxmoney operates within, with comparable securitization and institutional investor access.
- Lender & Spender: Acquired majority-owned Dutch consumer credit marketplace operating under its own brand; serves as both a subsidiary and a benchmark for auxmoney's pan-European marketplace lending model.
- Lendable: Lendable is a UK-based digital consumer lending platform using proprietary credit scoring and institutional capital, comparable to auxmoney in serving prime and near-prime borrowers through a fully digital flow with securitization funding.
Broad incumbents
- LendingClub: US-headquartered pioneer of online consumer P2P lending that transitioned to a digital bank; provides a comparable scale benchmark for auxmoney's consumer lending and securitization model, though operating in a different regulatory jurisdiction.
- Check24: Check24 is Germany's largest financial product comparison portal and a key lead source for auxmoney, but also operates its own credit product offerings and white-label lending, making it both a partner and a competitive threat.
Others
- SWK Bank: SWK Bank is auxmoney's primary German lending bank partner, originating loans on auxmoney's behalf; classified as an ecosystem participant because it is operationally integral to auxmoney's platform rather than a competing consumer brand.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
auxmoney social profiles
Digital presenceauxmoney compliance and trust
Trust signalCompliance4 records
auxmoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
auxmoney leadership team
Management profileNumber of profiles
Profiles10 records
auxmoney subsidiaries and ownership
Company hierarchySubsidiaries1 record
auxmoney funding detail
Funding detailFunding overview
Funding rounds15 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
auxmoney M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about auxmoney
What does auxmoney do?
auxmoney operates a digital consumer lending platform that connects borrowers seeking personal credit (€1,000–€50,000) with retail and institutional investors via a peer-to-peer model intermediated through SWK Bank. The platform leverages an AI-powered proprietary credit scoring system to assess borrower risk and enable inclusive lending for consumers who may be excluded by traditional banks. Supplementary offerings include a co-branded credit card (with Advanzia Bank), credit protection insurance, and an institutional investment platform.
Is auxmoney a public or private company?
auxmoney is a private company. It is classified as venture growth investor backed and is currently operating.
When was auxmoney founded?
auxmoney was founded in 2007. It employs 101 to 250 people.
Where is auxmoney based?
auxmoney is headquartered in Düsseldorf, Germany, in the Europe region.
How does auxmoney make money?
Four revenue lines are on record. Loan Facilitation Fees are the primary driver. The others are commission from Financing Partners, insurance Distribution Commission and capital Markets / ABS Issuance.
Who are auxmoney's main competitors?
Direct peers on record are Smava, Younited Credit, Zopa, Credit24, Funding Circle, Lender & Spender and Lendable. Broad incumbents are LendingClub and Check24. SWK Bank is listed as an others.
Does auxmoney have an API?
No public API is recorded for auxmoney.
What industry is auxmoney in?
auxmoney's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 522310 and its SIC code is 6163.