LoanTube unveils AI lending experience within ChatGPT

By Vriti Gothi

LoanTube has launched an AI-driven lending experience within ChatGPT, to make its full comparison journey available through a conversational interface. The integration allows users to view personalised loan offers through natural-language interaction, marking a shift in how borrowers particularly those outside mainstream credit—access financing.

The LoanTube GPT App enables consumers to receive real-time loan quotations from FCA-regulated lenders, replicating the marketplace experience typically delivered on its website. According to the company, users have already completed applications and received funding through the channel.

The initiative targets a segment of the market that often disengages from traditional lending processes due to lengthy forms, complex terminology and limited understanding of the credit journey. By adapting responses to each user, the system clarifies product features, flags inconsistencies and enables more direct comparison of options.

“This technology is designed for the people who need clarity the most. A significant share of the population feels overwhelmed by credit applications and avoids them entirely,” said Founder and CEO Gurprit Singh Gujral. “A natural conversational flow removes that friction and gives people room to ask questions they might not feel comfortable asking elsewhere. What matters is guidance, not pressure.”

LoanTube, which has historically focused on borrowers with thin files or irregular financial histories, said the deployment aligns with its mission to widen access to formal lending. Co-Founder Aymeric Monod-Gayraud noted that conversational channels will increasingly influence consumer finance decisions. “Real rates, real guidance and a format that meets people where they are. Technology should widen access, not complicate it,” he said.

The launch comes amid broader sector interest in embedded AI lending journeys, particularly those positioned to support underserved segments. LoanTube said the rollout is the beginning of a longer AI roadmap designed to simplify decision-making, reduce friction and facilitate clearer entry points into the credit system.