AUSLOANS ZINK FINANCE APPLICATION - SMARTER FINANCE STARTS HERE  

The journey can start in a few different places — when a customer clicks “Apply Now” on the Ausloans website, OR when they begin the application via one of our partner landing pages or finance application embeds on a partner’s website (e.g. a dealership, retailer, or referral partner).

No matter where they start, they’re taken to the same secure online form where they provide basic details:

• Personal information (name, contact details, date of birth)

• Employment and income details

• Information about the loan purpose (e.g. car, boat, caravan, business, or personal use)

• Optional document uploads such as payslips or bank statements

This stage only takes a few minutes — and the form is mobile-friendly, so applicants can complete it on

Once the application is submitted, Zink automatically performs a finance approval pre-check— verifying the information provided and identifying suitable lenders based on:

• Credit profile

• Income and expense data

• Asset type and loan purpose

• Loan amount and term

This pre-check helps determine eligibility and ensures the next steps are focused on lenders most likely to approve the loan. It’s designed to protect credit health and streamline approvals by preventing unnecessary credit checks.

Within minutes, the applicant receives a call from an Ausloans Finance Specialist. This is not a scripted sales call — it’s a genuine conversation to confirm details, fill in any gaps, and understand the applicant’s goals.

The broker verifies:

• The accuracy of submitted information

• The intended use of funds

• Supporting documentation (e.g. driver’s licence, payslips, bank statements)

This stage ensures compliance, builds trust, and allows the broker to advocate effectively on the customer’s behalf.

Once verified, Zink’s decision engine gets to work.
It instantly compares the applicant’s financial profile across 70+ lender policies, analysing factors such as:

• Credit score and history

• Employment type (PAYG, self-employed, ABN holder)

• Loan-to-value ratio (LVR)

• Asset age and use (private or business)

• Deposit amount and residual structure

Zink’s proprietary algorithm ranks the lenders in order of fit, surfacing those offering the best combination of interest rate, fees, and approval likelihood

The assigned broker reviews the lender matches produced by Zink. Before any submission, they manually validate that the recommended loan options align with the customer’s needs and compliance obligations.

They then contact the customer to:

• Explain the lender options available

• Discuss rate expectations and repayment terms

• Answer any questions

• Provide a link or document summary outlining next steps

This stage combines AI precision with human expertise, ensuring customers understand their options clearly and confidently.

Once the customer chooses their preferred option, the broker:

• Finalises documentation

• Uploads any outstanding docs (e.g. insurance, invoices, ABN registration)

• Submits the application directly to the selected lender via Zink’s integrated API system

Zink tracks the submission in real time, alerting the broker to any lender requests or status changes. Many lenders issue conditional approvals within hours thanks to Zink’s data-ready format.

After the lender issues formal approval, the broker guides the customer through the settlement process:

• Final signatures are collected digitally

• Funds are released to the supplier (for vehicles, boats, or assets) or directly to the borrower (for personal loans)

• The broker confirms settlement and provides post-approval support

Customers typically experience a same-day or next-day turnaround once lender approval is complete.