About OptiCheck

About Us

OptiCheck is a consumer finance comparison and lead generation platform that helps Australians explore loan pathways, check borrowing eligibility, and connect with finance brokers who may be able to assist with their enquiry.

Last updated: 14 March 2026

What OptiCheck does

OptiCheck helps consumers compare loan categories, understand borrowing readiness signals, and submit finance enquiries through a SmartCheck process designed to collect the information needed for broker matching.

The platform currently supports common loan pathways such as personal loans, car loans, home loans and refinance, and selected business finance enquiries.

How our marketplace works

  • Consumers complete a SmartCheck form with information such as loan amount, purpose, employment, income, and credit indicators.
  • OptiCheck qualifies the enquiry and identifies a relevant broker or finance pathway.
  • A broker may receive the lead and contact the consumer to assess next steps.
  • OptiCheck may charge brokers a lead fee for qualified enquiries delivered through the platform.

What OptiCheck does not do

OptiCheck does not issue loans, approve credit, provide personal financial advice, or act as a lender. Its role is to generate, qualify, and route finance enquiries between consumers and brokers.

Any finance decision, loan recommendation, or lending outcome is made by the relevant broker, lender, or credit provider, not by OptiCheck.