Ausloans

What Ausloans does

Ausloans is Australia's largest privately-owned finance brokerage and aggregation business, founded in 2008 during the Global Financial Crisis and headquartered in Arundel, Queensland. The company operates a hybrid consumer-and-B2B model: individual borrowers access car, personal, equipment, marine, caravan and motorcycle finance through ausloans.com.au, while finance brokers, car dealerships (450+ partners) and business referrers access the same lender panel through the company's proprietary AI-powered Zink platform. The group is structured around multiple consumer brands (Ausloans, 1800Approved, Perfect Score, Drive Approved) targeting different borrower segments including sub-prime and credit-rehabilitation customers, with 1800Approved specifically focused on mid- and sub-prime lending.\n\nThe core technology is Zink, a patented fintech loan decisioning engine that uses AI and machine learning to match borrower profiles against the criteria of 70+ Australian lenders, including major banks (NAB, ANZ, Commonwealth Bank) and non-bank lenders (Pepper, Plenti, Prospa, Wisr, Liberty, First Mac). Zink is delivered across four modules: Zink Consumer Wallet (borrower self-service portal), Zink for Brokers (aggregation platform), Zink for Dealerships (point-of-sale finance integration), and Zink POS (embedded finance for business partners). The platform has been recognised with the Australian Broking Awards Technology Platform of the Year and Innovator of the Year in 2020, and was a 2026 Finnies finalist for Most Innovative Fintech Product or Service.\n\nAusloans generates revenue primarily through lender commissions on settled loans (transaction fees on the ~$190M+ fundings serviced by 2020, now serving 50,000+ customers), supplemented by subscription/recurring platform fees from dealerships and brokers using Zink, and affiliate/referral economics on consumer-direct originations. Distribution combines a national broker network of 170+ locations, a franchise program, OEM/white-label platform integrations, and direct digital acquisition via content marketing, SEO and the ausloans.com.au website. The company holds Australian Credit Licence #383999 and is a member of FBAA, AFCA and the Franchise Council of Australia. Motor finance represents approximately 70% of the business, with business and equipment finance representing the balance.

Name

Ausloans

Legal name

Ausloans Pty Ltd

Website

https://ausloans.com.au

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Ausloans is Australia's largest privately-owned finance brokerage and aggregation business, operating the proprietary Zink AI platform to connect consumers, brokers, dealerships and business partners with 70+ lenders across car, personal, equipment, marine and caravan finance.

Ownership category

akta.pro rank

Product category

Loan Aggregation and Asset Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (522220), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Merchant Cash Advance & Payment-linked Lending (CRAFALAK), Auto / Vehicle Marketplace Lending (FSAKAHAF)

Keywords

• Loan aggregation
• Asset finance brokerage
• Car loan comparison
• Equipment finance solutions
• Loan matching platform

Headquarters

HQ city

Arundel

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: Ausloans earns commission from lenders when loans are settled through their broker network. The platform aggregates multiple lenders and matches customers to generate commissions on successful loan settlements.
2. Dealer/Partner Platform Fees: Revenue generated from providing fintech platform access to dealerships and business partners, including Zink platform integration and aggregation solutions that help partners write more business.
3. Consumer Direct Referrals: Free service for consumers (no fees charged to borrowers); revenue is generated through lender commissions on settled loans processed through the platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Ausloans is a finance aggregator and brokerage that connects Australian consumers, brokers, dealerships, and businesses with loan products from 70+ lenders through its proprietary Zink AI-powered loan decisioning platform. The company offers car loans, personal loans, equipment finance, marine finance, caravan finance, motorcycle finance, and business/commercial finance, while powering partner channels with broker and dealership software that automates lender matching and approval workflows.

Product overview

Ausloans is a multi-product finance aggregator and fintech platform operating across consumer and B2B segments. The core technology is Zink, a proprietary AI-powered loan decisioning and matching engine that connects borrowers with 70+ lenders. Zink serves multiple channels: Zink for Borrowers (consumer-facing loan marketplace and wallet), Zink for Brokers (aggregation platform for finance brokers), Zink for Dealerships (point-of-sale finance integration), and Zink POS (embedded finance for business partners). Consumer brands include 1800Approved (sub-prime lending specialist) alongside the Ausloans consumer brand. Product offerings span car loans, personal loans, equipment/commercial finance, marine finance, caravan finance, motorcycle finance, with specialized structures including chattel mortgage, finance lease, and hire purchase. The platform combines AI-driven automation with broker support across the full loan lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• Zink: Proprietary AI-powered fintech loan decisioning engine that helps match customers with the right lender by comparing applications against lender criteria, borrower profiles, and finance pathways
• 1800Approved
• Consumer Wallet

Products and services

• Zink Fintech Platform Proprietary AI-powered fintech platform that matches loan applicants with lenders across 70+ lending partners, serving as the core technology engine powering loan decisioning, automated lender matching, and finance workflow automation for consumers, brokers, dealerships, and business partners.
• Car Loans

Quantifiable outcome

• Asset finance brokers using Zink have doubled or tripled their outputs
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Scale indicators8 records

Recent moves11 records

Expansion highlights5 records

Broad incumbents

• Carsales.com (Carsales Finance): Australia's leading automotive marketplace has expanded into finance referral and comparison services, competing with Ausloans for car-loan aggregation flow at the dealer and consumer level.
• Pepper Money: Large Australian non-bank lender operating across consumer, asset, and commercial finance; sits within Ausloans' lender panel but competes for similar end-customers, particularly in non-prime segments.

Direct peers

• Plenti: Australian consumer and automotive lender operating a marketplace-style platform; competes with Ausloans in vehicle and asset finance origination, particularly through dealer channels.
• Wisr: Australian fintech lender offering personal and automotive loans via digital channels; competes for similar consumer and broker-driven loan flow.
• MoneyPlace: Australian personal loan marketplace aggregator connecting borrowers to multiple lenders; directly comparable business model to Ausloans' consumer aggregation services.
• Prospa: Australian online lender for small businesses providing working capital and business loans; competes with Ausloans' commercial finance and equipment finance segments.
• Now Finance: Australian consumer and asset finance lender with broker and direct channels; appears in Ausloans' lender panel and competes for similar personal and vehicle loan customers.
• SocietyOne: Australian personal loan marketplace connecting borrowers with lender panel; comparable model to Ausloans' consumer loan aggregation business.

Emerging players

• Lendi: Australian mortgage and asset finance broker aggregator with proprietary technology platform; comparable as a digitally enabled loan aggregator, though more weighted to mortgages.

Regional players

• Auto & General Finance: Australian asset and motor finance provider serving consumers and dealers; competes for similar auto finance flow and dealer relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ausloansfinance
• Instagraminstagram.com/ausloansfinance
• Xx.com/ausloansfinance
• Facebookfacebook.com/ausloansfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Ausloans