auxmoney is Europe’s leading digital consumer credit platform; replacing friction, bias, and cost of traditional banking with a proprietary data and AI engine continuously refined on decades of real consumer credit outcomes.
Built for scale in a market that’s digitising fast
Consumer lending is one of Europe’s largest banking categories, and it is rapidly shifting from branch-led processes to digital-first, straight-through lending. Success in this environment is defined by efficient distribution, automated decisioning, and superior risk differentiation, powered by unique data and AI capabilities. This is where auxmoney excels.
Since its founding in 2007, auxmoney was built with an all-encompassing focus on data to reinvent digital lending for a superior customer product. Today, auxmoney is a recognized leader in prime consumer lending; with a model that becomes increasingly powerful with every new loan we originate, resulting in strong and sustainable growth.
Our sustained growth has taken us to industrial scale
>500,000
customers
~4x
growth rate in origination
2021-2025
€ >2.4 bn
billion origination volume in
2025
Data and AI allow us to operate at unmatched efficiency
~4x
efficiency increase in
operations since 2022
>90 %
applications processed fully automatically
Our proprietary data and superior models deliver outstanding credit performance
2 %
default rate
60 %
reduction in default rate in the German business since 2021
Our unique positioning translates into superior financial performance
€ 50 mn
Operating profit 2025
€ 125 mn
Run-rate profitability at
current origination levels
Interested in learning more about auxmoney?
Please email us at corporateinvestors@auxmoney.com
“We build technology that unlocks human and financial potential.”
Raffael Johnen
CEO & Co-Founder
Industry-leading customer satisfaction
Customer trust is at the heart of auxmoney. Customers consistently rate their experience highly, reflecting fast and transparent processes combined with responsive, customer-focused service.
The result is strong loyalty, demonstrating that auxmoney’s digital-first model delivers outstanding efficiency without compromising on customer experience.
A credit engine powered by data, technology and AI
At the core is auxmoney’s credit engine: our deep, broad and longitudinal data asset, including more than 12 years of open banking data, combined with advanced scoring and underwriting capabilities underpinned by AI across the entire credit lifecycle.
This enables us to make real-time decisions, reduce friction, and continually improve risk outcomes through the cycle – leading to much higher risk differentiation.
“By combining AI, proprietary data, and a world-class team, we’ve built a highly automated platform that scales effortlessly — delivering a best-in-class experience for every customer.”
Arie Wilder
Chief Operating Officer
Proven credit performance through the cycle enables scalable, diversified funding
Our funding platform is designed to be capital-light and built for scale, with our ABS program serving as a key pillar of a diversified funding structure. Since our capital markets debut in 2021, we have established a strong execution track record and built a reputation as trusted issuer in the European securitization market, placing more than EUR 4 billion in publicly issued bonds across Germany and the Netherlands.
Our values
Technology, data, and automation are at the core of our model – and it is our people and values that turn them into lasting impact. Excellence, Passion, Ownership, Simplification, and Diversity guide how we work and the decisions we make.
Together, they shape our ambition to make access to credit simpler and more efficient, helping people pursue their goals with confidence.
Our values
Technology, data, and automation are at the core of our model – and it is our people and values that turn them into lasting impact. Excellence, Passion, Ownership, Simplification, and Diversity guide how we work and the decisions we make.
Together, they shape our ambition to make access to credit simpler and more efficient, helping people pursue their goals with confidence.
We’re backed by leading global investors
Additional invests: internationally leading, high-growth companies, including in technology and financial services
Additional invests: Wealthsimple, Marshmallow, Clark, FINN
Additional invests:
Netflix
Uber
Additional invests:
Adyen
Slack
Revolut
Additional invests:
Free Now
We’re backed by leading global investors
Centerbridge
New York, London
Additional invests:
internationally leading,
high-growth companies,
including in technology
and financial services
Portage Ventures
Toronto
Additional invests:
Wealthsimple
Marshmallow
Clark
FINN
Foundation Capital
Menlo Park, California
Additional invests:
Netflix
Uber
Index Ventures
London, San Francisco
Additional invests:
Adyen
Facebook
Slack
Revolut
Union Square Ventures
New York
Additional invests:
Twitter
Free Now
