Smarter loans, matched in 90 seconds.
LoansAi.au uses AI to match Australians with the right loan from regulated lending partners — then, when approved, funds land in your account in as little as 5 minutes. Paperless. 24/7. No branch visits.
Ei Amy is a digital assistant, not a financial adviser. Powered by Ei Amy — emotional intelligence before artificial intelligence. Any recommendation is general information only and does not consider your objectives, financial situation or needs. AI-assisted loan applications and AI inputs can contain errors or mistakes — please verify important details before acting. See our Privacy Policy or report a mistake.
One platform. Every kind of loan an Australian actually needs.
Ei Amy matches you to the right one automatically — but if you'd rather browse, here's what we cover.
Personal Loan
Borrow $2,000 – $70,000 for almost any purpose.
Debt Consolidation Loan
One rate, one repayment, one date to remember.
Home Improvement Loan
Kitchens, bathrooms, solar, landscaping — approved in minutes.
Tiny Home Finance
Australia's fastest-growing home category, funded fast.
Wedding Loan
Fund the whole day at a lower rate than plastic.
Secured Car Loan
The car secures the loan — you get a better rate.
Holiday Loan
Lock in flights while they're cheap.
Education Loan
For courses HECS-HELP doesn't cover.
Medical Loan
Dental, IVF, elective surgery and specialist gaps.
Quick Cash Loan
Approved online, funded in as little as 5 minutes.
Business Loan
For sole traders, partnerships and companies.
From "I need a loan" to money in the bank — in one sitting.
Answer a few smart questions
Our Ei Amy assistant asks what you need, how much and a bit about you. Takes about a minute. No paperwork, no phone calls.
See your personalised rate
In ~90 seconds you get a real rate quote from our lending partner — a soft credit check, so no impact on your credit score.
Funds land in your account
Sign digitally and, when approved, most loans are settled to your Australian verified bank account in as little as 5 minutes.
Built for how Australians actually borrow in 2026.
Actual AI, not a lead form
Most loan sites are lead-capture forms in disguise. Ei Amy evaluates your inputs and only shows loans genuinely suited to your profile.
Only ASIC-regulated partners
Every lender we work with holds an Australian Credit Licence and follows responsible lending obligations. No payday lenders. No shady operators.
Genuinely fast funding
Our partner Harmoney (ASX:HMY) settles most approved loans to your Australian bank account within 5 minutes via NPP.
Soft credit check first
See your real, personalised rate before committing. A hard credit enquiry only happens if you decide to formally apply.
What would it cost?
Play with amount, rate and term to see what your repayments could look like. Numbers are indicative — Ei Amy uses your real profile to get you a personalised offer.
Open the full calculatorOne honest loan becomes a lifetime relationship.
Trust is the compounding asset — not the loan. It's how Ei Amy is built, and why borrowers come back and bring their people.
Real people. Real fast.
"Rolled three credit cards into one repayment at half the rate. Whole thing was done before my flat white went cold."
"Locked in the venue deposit the same afternoon we applied. Cheaper than a card and no juggling multiple bills."
"Every bank told us tiny homes were 'too hard'. LoansAi matched us to a personal loan that funded in a day."
Illustrative examples of typical customer outcomes. Individual approval, rate and funding times depend on the lender's assessment.
Questions Aussies actually ask.
Is LoansAi.au a lender?+
No. LoansAi.au is a loan matching service. We connect Australian borrowers with ASIC-regulated lending partners. The credit assessment, approval and funding are all handled by our partner lenders.
Will checking my rate affect my credit score?+
No. Getting a personalised rate through Ei Amy uses a soft credit check, which does not show on your credit file and does not affect your credit score. A hard enquiry only occurs if you choose to formally apply.
How fast can I actually get funded?+
For approved loans, most funds are settled to your Australian bank account within 5 minutes via the New Payments Platform (NPP). Traditional bank transfer can take slightly longer.
What credit score do I need?+
There's no single minimum. Our lending partners assess your income, existing debts, spending and credit history together. Borrowers with fair credit are regularly approved — Ei Amy helps set realistic expectations.
Is this available Australia-wide?+
Yes. LoansAi.au serves borrowers across all Australian states and territories, including remote areas, provided you meet lender residency and income criteria.
Ready to see your rate?
90 seconds. Soft credit check. No obligation. If approved, funds in as little as 5 minutes.