Per decision
$4.50 an application
Every service, before the advance
Each application that reaches an outcome. Abandoned before anything read it, it is free.
Pricing
A fee for each decision, and a share of what you lend. No monthly fee.
No platform fee, no seats, no setup, no minimum. Australian dollars, excluding GST.
On the amount lent
2% of the first $2,000
Falling in bands, capped at $750 a loan
Once per advance, for everything that carries the loan after it.
Launch
40% off for 12 months
For the first 10 lenders to sign by 30 June 2027
Nothing to pay for the first 3 months, then repaid in 9 equal parts interest-free, and the price locked for 24 months.
Per decision, by service
| Apply — the form and the record of inquiries | $0.75 |
| Identity | $0.35 |
| AML — due diligence and risk rating | $0.40 |
| Statement — with Enrich and Capacity | $1.50 |
| Decisioning — with Record and the small amount checks | $0.90 |
| Intent | $0.30 |
| Operations | $0.30 |
Called through the API without an application, each service is the same price per call. Enrich on its own is $4.00 per 1,000 transactions, less at volume.
On each advance
| First $2,000 | 2% |
| $2,000 to $5,000 | 1.25% |
| $5,000 to $50,000 | 0.3% |
| Above $50,000 | 0.03% |
| Most any one advance pays | $750 |
A $767.52 small amount loan pays $15.35. A $36,419 car loan pays $171.76. A $600,000 home loan pays $377.50. A bigger loan never pays less.
Checks and services
| ID document and liveness | $1.50 |
| Sanctions and PEP screen | $0.90 |
| Mobile code by SMS | $0.12 |
| Email code | $0.01 |
| Address prefill | Free |
| Launch in days | $4,900 once |
| Credit licence application | $9,900 once |
| Fractional responsible manager and compliance | $2,500 a month |
For example, with every service: a lender funding 500 small amount loans a month from 1,500 decisions pays $15,880.00 a month, $31.76 a funded loan. A lender funding 150 car loans from 300 decisions pays $27,531.00, $183.54 a funded loan. The same arithmetic for six kinds of lending, service by service, comes with every quote.
Launch
Launch with us.
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.
- Authorise. Your own licence, or appointment as a credit representative.
- Enrol. AFCA and AUSTRAC, before the first loan.
- Configure. Products, fees, policy, documents and brand.
- Connect. Your bank, payments, email and SMS, identity.
- Go live. Every release gate passed and evidenced.
Questions
Asked first.
Is Creditcrest a lender?
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.
Is it in use yet?
Not yet. Every product is built, tested and can be opened; none is in use with a lender, and nothing has run on a real borrower’s data.
What happens to the data we send?
It is read, answered and dropped. Nothing is stored; what a lender must keep comes back sealed, for the lender to hold.
Can we use just one product?
Yes. Each works on its own, from its page or its API, and is priced on its own.
How do we connect?
Every product is an HTTP API. The quickstart reads a bank statement in three calls.
What is being built next?
Intake: transactions by consent under the Consumer Data Right, waiting on accreditation or a sponsor. Then a hosted application a lender can brand, and funder reporting from the LoanManager book.
Ready to price a launch?