From "I need a loan" to money in your account — without leaving the couch.
Traditional loan applications are a paperwork nightmare designed for the lender, not you. LoansAi.au flips that on its head.
Answer a few smart questions
Ei Amy, our loan assistant, asks what you need the loan for, how much, and a few things about your situation — income, credit history, existing debts. It's designed to feel like a conversation, not an application form. About 60 seconds, entirely in the browser, on any device.
See a real, personalised rate
Instead of a headline 'from X%' rate you might never get, we match your profile to our lending partner and pull back a rate quote tuned to you. This uses a soft credit check — invisible to other lenders, no impact on your score. Around 90 seconds end-to-end.
Sign digitally. Get funded fast.
Happy with the offer? Confirm your ID and bank account, and sign your loan documents electronically. Once approved, most loans are settled to your Australian bank account in as little as 5 minutes via the New Payments Platform. No cheques, no waiting for business hours.
What we don't do
LoansAi.au is a loan matching service — not a lender. That means:
- • We don't approve or reject loans — our lending partner does.
- • We don't work with payday lenders or unregulated providers. Every partner holds an Australian Credit Licence.
- • We don't charge you a fee. Our lending partners pay us a commission on successful loans.
- • We don't store or share your credit information with third parties for marketing purposes.