auxmoney: Leading Digital Lending in Europe

auxmoney is the leading digital-lending platform for consumer credit in Europe. We are at the forefront of promoting and improving financial inclusion.

At auxmoney, we give more people the chance to get a loan. We can do so because we view borrowers more individually than banks. To this end, we have developed a unique technology over the years to differentiate credit inquiries and to support people responsibly with a loan. Among others this includes self-employed people who are rejected by banks despite having a sufficiently good credit rating.

We also use digital technologies to make it faster and more convenient for our customers to get a loan. As a customer, you benefit from products that are consistently tailored to your needs and a completely digital credit experience: from the inquiry to the payment.

We are convinced that better credit provision for more people is possible.

>70 %

of the loans are provided fully automatically

3000+

3,000+ data points are intelligently combined to assess creditworthiness

300.000+

300,000+ wishes and projects have already been realised

>70 %

of the loans are provided fully automatically

3.000+

data points are intelligently combined to assess creditworthiness

300.000+

300,000+ wishes and projects have already been implemented

Our values

Our values form the framework that serves as an orientation for our daily actions. They define how we work with one another, how we want to deal with one another and with business partners. These values shape our culture and are reflected in our behaviour.

Simplification

We simplify things for our customers, partners and ourselves. We take the time to always find the smartest and most efficient solution.

Diversity

Our progress springs from the point where different views, experiences and ideas merge. We connect people with each other and promote respectful communication.

Passion

auxmoney is more than just a job: we pursue a joint vision and are proud ambassadors.

Excellence

At auxmoney, the best idea wins! We question the status quo and always ask ourselves how we can make auxmoney better.

Ownership

We are driven, solution-oriented and take on responsibility. We never let exciting topics pass us by. We keep our promises, persevere and achieve results

Our values

Simplification

We simplify things for our customers, partners and ourselves. We take the time to always find the smartest and most efficient solution.

Diversity

Our progress springs from the point where different views, experiences and ideas merge. We connect people with each other and promote respectful communication.

Passion

auxmoney is more than just a job: we pursue a joint vision and are proud ambassadors.

Excellence

At auxmoney, the best idea wins!We question the status quo and always ask ourselves how we can make auxmoney better.

Ownership

We are driven, solution-oriented and take on responsibility. We never let exciting topics pass us by. We keep our promises, persevere and achieve results

From Start-up to Grown-up

From data to possibilities

Many people are generally excluded from the credit offering by banks. Although when looking closer they are creditworthy. That is why we take a closer look at auxmoney: With every loan request, we evaluate thousands of features very precisely in order to determine the real creditworthiness. We not only use information from credit agencies, but also many digital data points.

However, not one single feature, but the intelligent combination of these data points provides the specific result for assessing the creditworthiness: the auxmoney score. This gives us a differentiated picture of the borrower. In this way, we cannot give everyone, but many more people responsible access to credit than banks.

From data to possibilities

Our Management at auxmoney

Raffael Johnen
CEO and Co-Founder

After working in investment banking with several years in Frankfurt and London, the idea for auxmoney brought him back to Düsseldorf. Together with his two co-founders, he started auxmoney to enable better credit supply for more people with the help of digital technologies. This vision drives Raffael to this day.

Arie Wilder
COO

Arie has been shaping the growth and strategic development of auxmoney in a leading position since 2012. He believes that the intelligent use of data and technology will make simpler and better products possible for more people. Before joining auxmoney, the business mathematician worked in consulting at KPMG.

Daniel Drummer
CFO

Before he decided to switch to the fintech industry, Daniel worked for several years for the major US bank JP Morgan and the management consultancy McKinsey. After working in London, Boston and New York, he returned to Germany to advance the digitization of the financial world with auxmoney.

Matthias von der Heyde
CGO

As Chief Growth Officer Matthias brings his many years of experience in high-growth companies to auxmoney. Among others, he previously held management positions at CHECK24, About You and Barclays. For him, digitization means making things easier, and in the best case enabling something that was previously considered impossible. Besides work Matthias’ passions are his family and kitesurfing.