If you've shopped for car finance in Australia in the last 20 years, the process has barely changed. You ring a broker, you wait. They take notes on a phone call. They send a few application forms. They come back with options days later. The broker shapes the deal around the lenders they have agreements with, not around you.
An AI car broker flips that. The conversation happens in minutes, not days. The matching is done by software that knows every lender's actual policy. The deal is shaped around your situation, not the broker's lender preferences. And the customer can do it on their phone, on their time, without booking a phone meeting they have to take time off work for.
The short version: An AI car broker is a finance brokerage where the customer-facing process is run by AI rather than a human broker. The AI reads each customer's situation, matches it against multiple lenders' real-time policies, and arranges car finance — typically much faster than a traditional broker. RoboLoans is Australia's first.
How RoboLoans' AI car broker works
The AI is named Tui. She's the Deal Pilot. The customer talks to Tui at every step pre-settlement; a human Deal Pilot handles the final settlement and lender relationship. Here's the full process.
Tell Tui about you
A 90-second chat covers your situation — what you earn, what you owe, what car you're after. No credit file is pulled at this stage. Nothing affects your credit score.
Tui reads the deal
She matches your profile against 17 Australian lenders' real eligibility rules. Not a generic rate comparison — the actual policy that determines approval. Casual under 6 months? She knows which two or three lenders accept that. ABN under a year? She knows the workaround.
Soft pre-approval, in minutes
Tui shows you which lenders fit, indicative weekly repayments, and what documents you'll need. Still no credit hit at this point. Most customers get to a soft pre-approval result before they even start the document pipeline.
Documents in, credit file pulled
Payslips, ID, and 90-day bank statements via secure upload. The credit file is only pulled when it will move the deal forward — usually once we've narrowed to one or two target lenders.
Settlement
A human Deal Pilot reviews the final application and handles the contract and settlement with the chosen lender. Typically 24–72 hours from documents complete to keys in hand.
What makes an AI car broker different from a traditional broker?
Most people understand the broker model. A traditional broker is a person who knows a handful of lenders, takes your information by phone or form, and submits your application to whichever lender they think will approve it (and pay them the commission). The good ones are excellent. The bad ones are slow, conflicted, or both.
An AI car broker is a different architecture. Three things change:
Who does an AI car broker help?
The AI doesn't change who's eligible for car finance — that's still set by lender policy. What it changes is how quickly we can find your match. We help customers across most of the Australian car-finance market:
- PAYG full-time and part-time workers — the bread and butter. Most lenders straightforward.
- Casual workers with industry continuity — Tui knows which lenders look at "same line of work" across multiple employers, even if the current role is under 6 months.
- ABN holders and self-employed — 12+ months of trading history; we work with low-doc and full-doc lenders.
- Centrelink recipients on acceptable payments — Family Tax Benefit, DSP, Age Pension are all workable with the right lender; Jobseeker is harder.
- Tradies — ABN, casual, PAYG — Tui knows which lenders accept the tradie pay structures.
- First-time car buyers with established clean credit history (650+ score).
- Customers refinancing existing car loans to a better rate or to release equity.
We don't specialise in distressed-borrower lending. If your credit has been seriously impaired, there are specialist brokers who do that work better than us.
Is RoboLoans a real licensed broker?
Yes. RoboLoans operates as an authorised Credit Representative (#564020) under QED Credit Services Pty Ltd, which holds Australian Credit Licence #387856. We're subject to the same NCCP, Best Interest Duty, and Responsible Lending obligations as every other broker in Australia. The AI doesn't change the regulatory framework — it just changes the production-line speed within it.
The legal entity (Robo Loans Pty Ltd) has full ASIC registration, public ACR records, and all the disclosures and Credit Guide obligations of a licensed credit assistance provider.
Frequently asked questions
Will using RoboLoans hit my credit file?
No. The initial 90-second pre-approval chat does not pull your credit file. The credit file is only pulled later in the process, with your written consent, and only when it will move the deal forward. Most customers get a soft pre-approval result without any credit-file impact.
How many lenders does RoboLoans work with?
17 Australian lenders, spanning prime (Plenti, Wisr, Pepper Money), near-prime (Liberty, Latitude), and specialist lenders. Tui matches your profile to the lender with the highest approval likelihood at a competitive rate.
Is the AI replacing the human broker entirely?
Not entirely. Tui handles the customer conversation, the lender matching, and the document pipeline. A human Deal Pilot reviews the application and handles the final contract and settlement. The AI runs the customer-facing surface; humans handle settlement-readiness and lender relationships.
What is Tui?
Tui is the name of our AI Deal Pilot — the brand character that represents our AI car broker. She has a personality, a voice, and a defined role (finance only, not car sales). She is the customer-facing interface for the entire pre-handover finance process.
Can I bring my own car or do I have to buy through you?
Either works. You can browse our online showroom at RoboCars (70+ cars across utes, SUVs, vans, EVs and value picks) or you can bring a car from a dealer or private seller. The finance process is identical either way.
What's the difference between RoboLoans and RoboCars?
Same company, two brands. RoboLoans is the AI car broker — where finance gets done. RoboCars is the online showroom — where customers browse vehicles. The two are tightly integrated: every car on RoboCars can be financed via RoboLoans in the same flow.
See where you could land.
90-second pre-approval. No credit hit. Talk to Tui now.
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