LoanOptions.ai

LoanOptions.ai is an award-winning and pioneering AI-native finance technology provider and brokerage, led by 2025 Finance Brokers’ Association of Australia’s Industry Champion of the Year, Julian Fayad. Headquartered in Sydney with offices in Auckland and Perth, LoanOptions.ai is dedicated to transforming the lending experience.

For over half a decade, LoanOptions.ai has engineered sophisticated AI systems to deliver a fast, seamless and secure end-to-end lending journey for borrowers, brokers and lenders alike. Its innovations are built on proprietary deep learning models trained on millions of rows of bespoke data.

LoanOptions.ai’s ISO27001-certified technology suite includes game-changing loan application and matching technologies powered by its proprietary Auto-complete Contextual Engine (ACE) and Synapses – an industry-first scalable plug-and-play API ecosystem connecting dozens of essential services via a single integration point with built-in NCCP compliance. It also supports AI agent development through Model Context Protocol (MCP).

LoanOptions.ai’s dedication to leading industry innovation has been recognised with multiple awards, including Best Use of Agentic AI at the Australian AI Awards, Technology Service Provider of the Year at the 2024 and 2025 Australian Broking Awards, Best Industry Service at the 2025 Australian Mortgage Awards and Best Broker Innovation at the Finder Innovation Awards.

Our technology helps borrowers access the best loan offers from more than 90 lenders and banks. We have helped over 200,000 customers navigate the loan process and settled more than 11,000 consumer and commercial loans across ANZ since 2020, including personal, car, business and equipment loans. Our technology is supported by a loyal and dedicated team, ensuring customers secure the right loan with unparalleled speed, accuracy and transparency.

Examples of our impact include:

• a nurse who applied for a personal loan during a lunch break in 2024 and had funds in their account 36 minutes later – covered nationally by 7News as the “Lunchtime Loan”
• one broker settling 54 loans in October 2024
• helping borrowers refinance and consolidate debts, often saving as much as $1,500 per fortnight.

Our exceptional service quality drives consistent referrals and repeat business, evidenced by a perfect 5.0-star rating across more than 1,000 Google reviews. Using our technology in our own brokerage gives us a strong competitive edge, empowering us to iterate faster and deliver superior user experience.