Credit providers on ASIC's credit licence register
Businesses that engage in consumer credit activities in Australia need an Australian credit licence from ASIC, unless an exemption applies. The licence conditions spell out what a licensee may do. Most licences authorise credit activities other than as a credit provider (broking and credit assistance); a smaller group authorises the holder to engage in credit activities as a credit provider, meaning it lends under credit contracts, takes mortgages and guarantees, and in many cases provides consumer leases.
Counting the lenders
ASIC's credit licensee dataset for October 2026 contains 4,313 licences, 4,306 of them approved and 7 suspended. Reading the authorisations of the approved licences:
| Authorisation | Licences |
|---|---|
| Credit activities other than as a credit provider (broking) | 3,680 |
| Credit activities as a credit provider | 926 |
| Other wording | about 100 |
Some licences carry both authorisations. Of the 926 credit provider licences, 906 are held by companies, co-operatives and other bodies rather than individuals, and 361 of those are also authorised for broking.
Where they are and when they were licensed
By licensee address, 392 credit providers are in New South Wales, 220 in Victoria, 184 in Queensland, 47 in Western Australia and 40 in South Australia, with the rest in Tasmania, the ACT and the Northern Territory. Licences issued in 2010 and 2011 account for 465 of them; every year since has added between about 20 and 40 new credit providers, 27 so far in 2026.
Who is on it
Credit providers range from listed non-bank lenders and securitisers, through digital personal lenders such as Wisr, MoneyMe and Harmoney, small amount lenders such as Nimble and Cash Converters, to car and equipment financiers, buy now pay later and card issuers, consumer lease providers and small private lenders. Each licence record names the holder's external dispute resolution scheme, which is the Australian Financial Complaints Authority (AFCA) for most.
Who uses the list
- Loan origination, decisioning and collections software vendors sell to every lender.
- Warehouse funders, securitisation arrangers and investors map non-bank lenders.
- Aggregators and broker groups look for lenders to add to their panels.