Pricing
No platform fee, no seats, no setup, no minimum. All prices in AUD. GST included.
$2.95 an application
Every service, before the advanceApply $0.40 · Identity $0.20 · AML $0.20 · Statement $1.45 · Policy Engine $0.40 · Intent $0.15 · Operations $0.15.
Each application that reaches an outcome. Abandoned before anything read it, it is free.
0.85% of the first $5,000
Falling in bands above that0.85% of the first $5,000; 0.36% from $5,000 to $50,000; 0.036% above $50,000. Once per advance.
Once per advance, for everything that carries the loan after it.
40% off for 3 months
For the first 10 lenders to sign by 30 June 2027
Nothing to pay for the first month, then repaid in 3 equal parts interest-free, and the price locked for 12 months.
| Apply — the form and the record of inquiries | $0.40 |
| Identity | $0.20 |
| AML — due diligence and risk rating | $0.20 |
| Sign — a completed signature, through the API | $0.55 |
Contracts signed in the borrower’s account are included. Portal, Documents and AML monitoring are in the share of each advance.
| Statement — the bank connection, Enrich and Capacity | $1.45 |
| Policy Engine — with Record, Score and the Small Amount pack | $0.40 |
| Intent — Score’s reading of intention to pay | $0.15 |
| Operations — the assessor’s queue, per decision | $0.15 |
| First $5,000 | 0.85% |
| $5,000 to $50,000 | 0.36% |
| Above $50,000 | 0.036% |
Credit reporting for every loan advanced through Creditcrest is included. An account you did not advance through Creditcrest is $0.11 a month.
| Controls | Included |
| Complaints | Included |
| Privacy | Included |
| A statement read | $1.45 |
| Enrich, per 1,000 transactions | $4.40 |
Called through the API without an application, each service is the same price per call. Enrich on its own is $4.40 per 1,000 transactions, less at volume.
| A sealed best interests file | $16.50 |
| Compare and Back Book | Free |
| A completed contract, however many sign it | $1.65 |
| A template, a draft or a user | Free |
A loan’s own contract signed in the borrower’s hosted account, which is part of servicing that loan. No seats and no minimum.
| ID document and liveness | $1.10 |
| Sanctions and PEP screen | $0.55 |
| Mobile code by SMS | $0.13 |
| Email code | $0.01 |
| Address prefill | Free |
| Credit enquiry run for you (your bureau bills the report) | $0.55 |
| Loan advance, paid in seconds, account name checked | $2.95 |
| PayTo agreement, once a loan | $1.10 |
| Repayment collected | $1.10 |
| Failed repayment | At cost |
| Launch in days | $5,390 once* |
| Fractional responsible manager and compliance | $2,750 a month* |
| AI and Data Advisory | On request |
*Subject to availability.
For example, with every service: a lender funding 500 small amount loans a month from 1,500 decisions pays $8,785.00 a month, $17.57 a funded loan. A lender funding 150 car loans from 300 decisions pays $24,535.50, $163.57 a funded loan. The same arithmetic for six kinds of lending, service by service, comes with every quote.
Bigger months cost less: a month’s service fees are 15% off from $25,000 to $100,000 and 30% off above $100,000. Checks are not discounted. Price list version 4, in force from 1 November 2026.
$0 on your own past applications
Send your past applications with the decisions you made, up to 50 at a time. We run Creditcrest beside them and show where we agree, and where we don’t.
Ask for a trialLaunch
Licensing takes what it takes; the software need not wait. We configure it with you, and the compliance gates stay shut until each one is passed and evidenced.
Questions
Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.
Yes, today, with no sign-up: every module opens on invented data, and the five-minute tour takes one loan from application to the book.
Creditcrest reads it and keeps nothing about the borrower. The records a lender must keep are kept in the lender’s own database, in its own Cloudflare account, and what it must be able to show comes back sealed. What is kept, and where.
An application that reaches a recorded outcome — approved, declined, or withdrawn after it was assessed. Each service is charged once per decision, only if it did work on that application. An application abandoned before any service read it costs nothing, and duplicates and automated submissions closed before a conclusion are not charged.
No. All prices in AUD. GST included.
Yes. Take a suite, or any module in it. Each works on its own, from its page or its API, and you pay only for the lines you use. Some modules have no line of their own because they are part of another’s price — Enrich and Capacity are in Statement, Record, Score and the Small Amount checks in Policy Engine — as the price list by suite shows.
Every module is an HTTP API. The quickstart reads a bank statement and opens a loan in four calls.
Ready to price a launch?