auxmoney

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.

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

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

• Consumer lending
• Digital lending platform
• Peer-to-peer lending
• Credit scoring
• Consumer credit

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. 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.
2. 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.
3. Insurance Distribution Commission: auxmoney acts as an insurance agent for rest credit insurance (Restkreditversicherung) through Lifestyle Protection AG, earning commissions for policy sales.
4. 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

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core 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

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability6 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Lender & SpendercoreStrategic or Co-development Partner · 24 August 2023auxmoney 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)coreStrategic or Co-development PartnerSWK 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 GmbHcoreImplementation/ SI/ Consulting PartnerCreditConnect 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 GmbHcoreTechnology or IntegrationIDnow 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 AGminorChannel Partner/ Reseller/ Distributorauxmoney 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 GmbHminorChannel Partner/ Reseller/ DistributorFinancing 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.minorChannel Partner/ Reseller/ DistributorAdvanzia 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 GmbHminorGTM or Marketing PartnerAffiliate marketing network partners for auxmoney's partner program. Tracking pixels are used to attribute customer referrals from affiliate partners and calculate commission payments.
• Mehrwerk GmbHminorChannel Partner/ Reseller/ DistributorPartner 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, SCHUFAcoreTechnology or IntegrationCredit 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

Direct 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

• Xx.com/auxmoney
• YouTubeyoutube.com/user/auxmoneyTV
• Facebookfacebook.com/auxmoney
• LinkedInlinkedin.com/company/auxmoney-gmbh
• Instagraminstagram.com/auxmoney
• Pinterestpinterest.de/auxmoney
• TikToktiktok.com/@auxmoney?lang=de-DE

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds15 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about auxmoney