Loan Options AI
LoanOptions.ai is an Australia-based AI-native loan comparison and origination platform that matches borrowers with 90+ Australian and 30+ New Zealand lenders across personal, car, home, equipment, and business loans via a 2,000+ broker partner network and direct-to-consumer channel.
- Company typePrivate
- Founded2023
- HeadquartersRhodes, Australia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Loan Options AI does
LoanOptions.ai (Loan Options AI Pty Ltd) is an Australia-based fintech that operates an AI-powered loan comparison and origination platform connecting borrowers with a panel of 90+ lenders in Australia and 30+ lenders in New Zealand. Founded around 2020 and headquartered in Rhodes, Sydney, the company serves individual consumers seeking car, personal, home, equipment, and business loans, as well as small and medium businesses and a network of more than 2,000 mortgage and finance brokers. The company has funded over $75 million in loans to date and its platform has been used to compare more than $5 billion in loan volume.
The platform is built on proprietary AI technology including AILO, an AI loan matching engine that automates asset finance applications and reduces application time by over 50%; HAILO, an ISO27001-certified digital home loan platform that uses AI to capture client data and verification in minutes, reportedly cutting manual onboarding by up to 80%; Ask AILO, a Slack-integrated credit policy assistant drawing on 80+ lender credit policies; Synapses, an enterprise API for workflow automation, fraud detection, and credit checks; plus a bank statement analysis tool, a loan status tracker, and a customizable white-label widget. The technology stack combines structured-data matching, natural language processing, anomaly detection for creditworthiness assessment, predictive approval scoring, and soft credit checks that preserve borrower credit scores.
The business operates a hybrid go-to-market combining direct-to-consumer online applications with a partner channel model that supplies white-label AILO and HAILO widgets to brokers, aggregators (Link Financial Group in New Zealand), accounting networks (First Class Accounts in New Zealand), and corporate partners. Revenue is generated primarily through lender referral and settlement fees when loans settle, supplemented by SaaS subscriptions for Ask AILO (tiered at $40–$50 per user per month), HAILO subscriptions (low monthly fee or free for high-volume referral partners), and white-label licensing fees. In March 2026, LoanOptions.ai completed its first merger with Sydney-based equipment finance brokerage Asset Alley, expanding its commercial loan book and bringing total headcount to over 40 staff, while simultaneously executing its first international expansion into New Zealand.
Loan Options AI firmographics
Firmographics- Name
- Loan Options AI
- Legal name
- Loan Options AI Pty Ltd
- Website
- https://loanoptions.ai
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LoanOptions.ai is an Australia-based AI-native loan comparison and origination platform that matches borrowers with 90+ Australian and 30+ New Zealand lenders across personal, car, home, equipment, and business loans via a 2,000+ broker partner network and direct-to-consumer channel.
- Ownership category
- akta.pro rank
Loan Options AI industry classification
Industry- Product category
- AI Loan Comparison Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Other Activities Related to Credit Intermediation (52239)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
- akta.pro secondary industries
- Automated Underwriting Systems (AUS) & Decisioning Engines (FSALALAB), Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF)
Keywords
Where Loan Options AI is headquartered
LocationHeadquarters
- HQ city
- Rhodes
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
Loan Options AI business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Loan Referral/Settlement Fees: LoanOptions.ai charges lenders a referral fee when a loan successfully settles. Users are not charged fees for accessing the platform or submitting applications. This is the primary revenue stream.
- Ask AILO Subscriptions: SaaS subscription tiers for AI-powered credit policy assistant integrated with Slack. Tier 1 for individuals at $50/user/month, Tier 2 for teams at $40/user/month with enhanced support, Tier 3 for enterprise with custom pricing.
- HAILO Platform Subscriptions: Monthly subscription model for HAILO home loan technology. Available free for LoanOptions.ai referral partners settling 2x asset finance loans per month, otherwise low monthly subscription.
- White-label/Integration Licensing: Revenue from organizations that white-label LoanOptions.ai technology (AILO and HAILO widgets) for their own platforms, including AiiMS Group and other partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Ask AILO Individual - $50/user/month (early offer: $25/month) |
| Subscription | Monthly | Ask AILO Teams (5+) - $40/user/month (early offer: $20/month) |
| Subscription | Multi-year contract | Ask AILO Enterprise - Custom pricing |
| Subscription | Monthly | HAILO Home Loan Platform - Low monthly subscription or FREE |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
Loan Options AI product offering
Product offeringCore offering
LoanOptions.ai operates an AI-powered loan comparison and matching platform that compares 90+ Australian and New Zealand lenders to match borrowers with personal, car, business, equipment, and home loans in under five minutes without impacting credit scores. The core product suite comprises AILO (asset finance application engine), HAILO (home loan platform), Ask AILO (Slack-based credit policy assistant), and Synapses (enterprise API platform), delivered through direct-to-consumer applications, white-label integrations, and a network of 2,000+ broker and corporate partners.
Product overview
LoanOptions.ai is an AI-native fintech platform operating as a portfolio of integrated AI-powered lending tools. The core platform consists of AILO (5-minute asset finance application engine) and HAILO (5-minute home loan application platform), supported by AskAILO (Slack-based AI credit policy assistant) and Synapses (enterprise API for workflow automation and fraud detection). Additional tools include a loan tracker for transparency and a bank statement analysis tool. The platform integrates with 90+ Australian and 30+ New Zealand lenders, serving both consumer and commercial finance needs through a network of over 2,000 broker partners. All core products offer white-label options for partner branding.
Differentiator
Problem solved
Functional benefit
Brands
- AILO: 5-minute AI-powered asset finance application that pre-fills client information and cuts application time by over 50%. Features AI loan matching engine for automated asset finance applications.
- HAILO
- Ask AILO
- Synapses
- LO 3.0
Products and services
- AILO (Artificial Intelligence Loan Options)
- HAILO
- Ask AILO
- Synapses
Quantifiable outcome
- 50% faster application processing compared to standard forms
- +5 more outcomes
Companies that use Loan Options AI
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Loan Options AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability10 records
Feature5 records
Loan Options AI partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Link Financial Group (LFG)coreNew Zealand mortgage aggregator partnership enabling advisers to access LoanOptions.ai's AI-powered mortgage application platform. LFG deployed HAILO digital home loan platform across its adviser network, integrating into their existing Advice Link platform. This was LoanOptions.ai's first international expansion beyond Australia.
- Asset AlleycoreSydney-based equipment finance brokerage merger, LoanOptions.ai's first M&A transaction. Asset Alley specialists in complex equipment finance gain access to LoanOptions.ai's technology including AILO and commercial loan book significantly increased. Combined entity operates from LoanOptions.ai's Rhodes headquarters.
- First Class AccountscoreStrategic partnership with nationwide network of 20+ accounting and business experts in New Zealand, integrating AILO AI-powered loan matching technology. Provides small business clients access to 30+ lenders in New Zealand and 90+ in Australia.
- OccubuyminorPartnership to help Australian renters manage personal debt by integrating LoanOptions.ai's lending technology with Occubuy's renter management platform.
- 90+ Lender PanelcoreNetwork of over 90 banks, non-bank lenders, fintechs, and specialist lenders in Australia, including Big 4 banks (ANZ, CommBank, NAB, Westpac), and 30+ lenders in New Zealand. Partners include Pepper Money, Macquarie Bank, Latitude, Finance One, Money3, Plenti, and others.
- AiiMS GroupcoreDigital marketing partner that executed LoanOptions.ai 2.0 rebrand, including brand design, mascot characters (Ailo, Sexy Dave), and digital marketing assets. Also provides ongoing digital marketing services.
- Sydney Young Entrepreneur AwardsminorFounder Julian Fayad named as finalist in Sydney Young Entrepreneur Awards recognizing entrepreneurial achievement in Sydney.
Scale indicators6 records
Recent moves8 records
Expansion highlights6 records
Loan Options AI competitors and assessment
Company assessmentDirect peers
- Lendi: Australia's largest online mortgage broker (owned by AusNet/REA Group-adjacent entities) using digital workflows to match borrowers with lender panels. Most directly comparable to LoanOptions.ai as a tech-enabled broker operating across Australia with both direct and partner channels.
- Mortgage Choice: Long-standing Australian mortgage broker franchise network under REA Group. Comparable to LoanOptions.ai as a multi-channel broker with both franchisee and direct consumer origination, although more traditional and less AI-native.
- RateCity: Australian loan and deposit comparison site owned by Bendigo and Adelaide Bank. Directly comparable to LoanOptions.ai's consumer-facing comparison funnel for personal loans, car loans, and home loans.
- HashChing: Australian online mortgage broker that uses technology to match borrowers with brokers and lenders. Closely comparable to LoanOptions.ai as a digital-first mortgage broker, although focused more narrowly on home loans.
Broad incumbents
- Finder: Large Australian consumer comparison platform covering credit cards, loans, insurance and more. Comparable to LoanOptions.ai on the comparison/distribution side, with stronger brand and SEO reach but broader (non-lending) focus.
- Compare the Market Australia: Established Australian comparison platform spanning insurance, energy, and loans. Comparable to LoanOptions.ai on consumer loan comparison and SEO-driven acquisition, with broader category reach but less specialist focus.
- Upstart: US AI lending marketplace using machine learning for credit decisioning and lender matching. Comparable to LoanOptions.ai's AI-driven borrower-to-lender matching model, though operating in the US and with direct lending exposure.
- Zopa: UK digital bank/lender that originated as a peer-to-peer lending platform and uses automated credit decisioning. Comparable to LoanOptions.ai's AI-driven credit intermediation play, though operating in a different geography.
Emerging players
- Wisr: Australian fintech operating a consumer lending marketplace and neo-lending products. Comparable to LoanOptions.ai in blending AI/tech-led credit intermediation with consumer financial products.
- Athena Home Loans: Australian digital mortgage lender using AI-driven origination and servicing. Comparable to LoanOptions.ai in its AI-first approach to Australian lending, although Athena is a direct lender rather than a broker.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Loan Options AI social profiles
Digital presenceLoan Options AI compliance and trust
Trust signalCompliance1 record
Loan Options AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loan Options AI leadership team
Management profileNumber of profiles
Profiles2 records
Loan Options AI subsidiaries and ownership
Company hierarchySubsidiaries1 record
Loan Options AI funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loan Options AI 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 Loan Options AI
What does Loan Options AI do?
LoanOptions.ai operates an AI-powered loan comparison and matching platform that compares 90+ Australian and New Zealand lenders to match borrowers with personal, car, business, equipment, and home loans in under five minutes without impacting credit scores. The core product suite comprises AILO (asset finance application engine), HAILO (home loan platform), Ask AILO (Slack-based credit policy assistant), and Synapses (enterprise API platform), delivered through direct-to-consumer applications, white-label integrations, and a network of 2,000+ broker and corporate partners.
Is Loan Options AI a public or private company?
Loan Options AI is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Loan Options AI founded?
Loan Options AI was founded in 2023. It employs 11 to 50 people.
Where is Loan Options AI based?
Loan Options AI is headquartered in Rhodes, Australia, in the Oceania region.
How does Loan Options AI make money?
Four revenue lines are on record. Loan Referral/Settlement Fees are the primary driver. The others are ask AILO Subscriptions, HAILO Platform Subscriptions and white-label/Integration Licensing.
Who are Loan Options AI's main competitors?
Direct peers on record are Lendi, Mortgage Choice, RateCity and HashChing. Broad incumbents are Finder, Compare the Market Australia, Upstart and Zopa. Emerging players are Wisr and Athena Home Loans.
Does Loan Options AI have an API?
Yes. Synapses is a proprietary API platform that automates workflows, enhances fraud detection, and streamlines credit checks and business validations. It integrates seamlessly with major aggregator platforms, allowing brokers and lenders to make data-driven decisions faster. The API is targeted at enterprises and enables automated processing of loan applications and business validations. Developer documentation is at synapseslabs.ai.
What industry is Loan Options AI in?
Loan Options AI's product category is AI Loan Comparison Platform. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification, with a secondary code of FSALALAB, Automated Underwriting Systems (AUS) & Decisioning Engines. Its NAICS code is 522310 and its SIC code is 6163.