Autonomous Loan Growth

Your credit union's first AI lending officer

LendIQ detects member lending signals, builds personalized offers, runs outreach, and grows your loan portfolio. Autonomously. 24/7. No dashboards to check. No campaigns to build.

$3T+
Lost by credit unions to digital-native competitors
4x
Better conversion than human-curated outreach lists
70%
Of CUs use AI for service, almost none for growth

Credit unions have lending tools. They don't have a lending employee that never sleeps.

Dashboards don't dial

Analytics platforms show you who might want a loan. Then you need a human to actually do something about it. Most never do.

Campaigns are campaigns

Batch-and-blast marketing treats every member the same. A first-time car buyer and a refinance candidate get the same generic email.

Timing kills deals

A member is shopping for a car right now. By the time your quarterly campaign reaches them, they already have a loan from a bank.

Staff can't scale

Your lending team has 10,000 members and 8 hours. The math doesn't work. The opportunities slip through.

One loop, running continuously

01

Detect signals

LendIQ monitors member behavior for lending triggers: transaction patterns that suggest a car purchase, balance changes that signal refinance opportunity, life events that create loan demand.

02

Personalize the offer

Each member gets a tailored recommendation based on their financial profile, timing, and which product actually fits. Not a template. A conversation.

03

Execute outreach

Automated, personalized contact through the right channel at the right time. Email, in-app notification, or flagged for a loan officer call on high-value opportunities.

04

Learn and optimize

Every response, every conversion, every pass feeds back into the model. LendIQ gets sharper with every cycle, growing your hit rate month over month.

Tools vs. employee

Traditional Lending Tech

  • Shows you data on a dashboard
  • Requires humans to act on insights
  • Runs when someone remembers to check
  • One-size-fits-all campaign blasts
  • Reports what happened last quarter

LendIQ

  • Acts on data autonomously
  • Detects, decides, and contacts members
  • Runs 24/7 without being told
  • Personalized offers per member per moment
  • Optimizes in real-time, every cycle

The loan portfolio that grows itself

Credit unions exist to serve their members. LendIQ makes sure no lending opportunity goes unnoticed.

See the Signal Engine →