Outbound SMS reengagement

Bring back applicants who dropped off

Credible's AI reaches out via text to customers who started a personal loan application but didn't finish. Personalized, conversational, and timed to when they're most likely to re-engage.

Try it yourself

Pick a scenario, enter your number, and receive a text within seconds.

Security concern

Sarah Chen

Marketing manager, 28

Loan: $15,000 (debt consolidation)
Dropped at: SSN step
Concern: Data privacy and security
Progress: 80% complete

The AI will focus on

Reassuring about data security
Only last 4 digits of SSN needed
Soft pull, no credit score impact

Income question

Marcus Rodriguez

Freelance web developer, 34

Loan: $25,000 (home renovation)
Dropped at: Employment step
Concern: How to report freelance income
Progress: 50% complete

The AI will focus on

Freelancers absolutely qualify
Tax returns or bank statements work
Lender partners experienced with self-employed

Rate comparison

Rachel Thompson

ER nurse, 31

Loan: $10,000 (major purchase)
Dropped at: Rate comparison page
Concern: Overwhelmed by lender options
Progress: 95% complete

The AI will focus on

Her rates are still available
Best Rate Guarantee ($200 gift card)
Help comparing APR vs fees vs terms

How outbound SMS works

AI-powered texts that feel like a helpful nudge, not marketing spam.

Detect the drop-off

CRM triggers flag applicants who started but didn't finish — with context on exactly where they stopped and why.

Personalize the message

The AI loads their profile — loan type, drop-off point, and likely concern — and crafts a text specific to their situation.

Have the conversation

Back-and-forth SMS: answers their questions, addresses the specific concern that stopped them, and guides them to a next step.

Log and follow up

Every conversation is logged to Slack and CRM with a summary, interest level, and callback requests. Nothing falls through.

What the conversation looks like

Each applicant gets a different text tailored to where they dropped off.

Sarah Chen

28, marketing manager. Wants $15K for debt consolidation. Stopped at the SSN step.

Opens with

References her specific application and consolidation goal. Doesn't mention SSN directly — lets her bring it up.

"Hey Sarah! This is Laura from Credible. I saw you were looking into consolidating some debt with a personal loan. Looks like you got pretty far in the process. Did you have any questions come up?"

Addresses the concern

When she mentions the SSN step, reassures with specific facts — not vague promises.

"Totally get it! We only need the last 4 digits, and it's just a soft pull so it won't touch your credit score. Credible's owned by Fox Corporation and has 9,000+ Trustpilot reviews if that helps."

Guides to next step

Makes resuming feel effortless — her progress is saved.

"Your application is saved right where you left off at credible.com/personal-loans. Should take about 2 minutes to finish up!"

Marcus Rodriguez

34, freelance web developer. Wants $25K for home renovation. Stopped at the employment/income step.

Opens with

Leads with his renovation project and proactively names the likely friction point.

"Hey Marcus! This is Laura from Credible. I noticed you started checking personal loan rates for a renovation project. Looks like you paused around the income section — totally get it if that felt unclear for freelance work."

Addresses the concern

Explains freelancer-specific documentation options — no pay stubs needed.

"Good news — freelancers absolutely qualify. Our lender partners work with self-employed borrowers all the time. Tax returns or bank statements work instead of pay stubs."

Guides to next step

Positions the application as quick and easy given he's already halfway done.

"You're already halfway through — should only take a couple minutes to wrap up. Your progress is saved at credible.com/personal-loans."

Rachel Thompson

31, ER nurse. Wants $10K for a major purchase. Saw prequalified rates but didn't select a lender.

Opens with

Reminds her that her rates are still available — she did the hard part already.

"Hey Rachel! This is Laura from Credible. I saw you checked out some personal loan rates recently and had some solid options come through. Your prequalified rates are still available!"

Addresses the concern

Offers to help compare — focuses on what actually matters (APR, fees, terms).

"If you're not sure which one to go with, the main things to compare are the APR, whether there's an origination fee, and the repayment term. Want me to break down what to look for?"

Guides to next step

Mentions the Best Rate Guarantee to give her confidence in choosing.

"Plus Credible has a Best Rate Guarantee — if you find a better rate elsewhere, you get a $200 gift card. Your rates are waiting at credible.com/personal-loans."