Outbound voice reengagement

Call applicants who dropped off

Credible's AI voice agent calls customers who started a personal loan application but didn't finish. A short, friendly check-in -- timed to when they're most likely to pick up and tied to exactly where they stopped.

Try it yourself

Pick a scenario, enter your number, and you'll get a call 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 voice works

An AI call that sounds like a friendly check-in -- not a sales pitch.

Detect the drop-off

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

Place the call

The AI calls from a Credible number with their profile loaded -- loan type, drop-off point, likely concern.

Have the conversation

One or two sentences at a time. Names the friction point, answers questions, or arranges a callback with a loan specialist.

Log and follow up

Every call is summarised with outcome, callback time, and applicant intent. Voicemails leave a profile-specific hook.

What the call sounds like

Each applicant gets a different opener tied to where they dropped off.

Sarah Chen

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

Opens with

Names herself, gives her an out, ties it to her consolidation goal -- doesn't mention SSN unprompted.

"Hey Sarah, it's Laura from Credible -- got a quick second? I saw you were looking at consolidating some debt and got pretty far in the application."

Addresses the concern

When the SSN comes up, reassures with concrete facts -- not vague promises.

"Totally fair -- only the last four digits, and it's a soft pull so it won't touch your credit."

Sends her off with

A specific next step that's effortless -- her progress is saved.

"Your application's saved at credible.com/personal-loans, takes about two minutes to wrap up."

Marcus Rodriguez

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

Opens with

Leads with the renovation, names the income section as the likely friction point.

"Hey Marcus, it's Laura from Credible -- got a quick second? Saw you were checking rates for a renovation and paused around the income section."

Addresses the concern

Confirms freelancers qualify, names the documentation that works.

"Freelancers absolutely qualify -- tax returns or bank statements work instead of pay stubs."

Sends him off with

Reminds him he's already halfway there.

"You're already halfway there -- credible.com/personal-loans picks up where you left off."

Rachel Thompson

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

Opens with

Reminds her her rates are still on the table and offers to help pick.

"Hey Rachel, it's Laura from Credible -- got a quick second? Your prequalified rates are still on the table and I wanted to see if you needed a hand picking one."

Addresses the concern

Cuts through the noise -- gives her the three things that actually matter.

"The three things to compare are APR, origination fees, and the term -- happy to talk you through which matters most."

Sends her off with

Mentions the Best Rate Guarantee for confidence.

"Plus there's a Best Rate Guarantee -- if you find better elsewhere, you get a $200 gift card. Your rates are at credible.com/personal-loans."