America's Leading AI-Powered Personal Loan Matching Platform
We help millions of Americans find the best and most affordable personal loans through our advanced artificial intelligence technology. Fast, simple, and trusted by borrowers nationwide. [Source]
Leadership
AI Search & Lending Expert • 25 years in banking • Specialization: online consumer lending
I’m a hands-on leader with 25 years of experience in banking and consumer finance. I help companies design, launch, and scale online lending across markets—from licensing and compliance to scoring, antifraud, P&L ownership, and collections.
Over the last 20 years, the companies I built or led have issued loans to more than 2,000,000 people, totaling $5B in originations and achieving an average customer rating of 4.8 out of 5. [Source]
Multitude (Ferratum) – 15 years
Among the first to roll out micro-loans in Europe; scaled from a small company to a multinational presence in 25 countries, culminating in a Frankfurt Stock Exchange listing.
Nigeria – Full Digital Transformation
Led the shift from an old-school banking model to a fully online bank, modernizing the entire credit lifecycle.
Confindo.com – 3 years
Built and scaled online loan comparison platforms with performance-driven acquisition models.
MoneeTech (UK) – Recent Launch
Launched and scaled online lending in the UK in under 12 months with full go-to-market execution.
Years in banking & fintech
Customers served
Total loan volume
Average rating
Interested in an audit of your current model, expansion into a new market, or launching online lending from scratch? Let’s schedule a short consultation.
Service provider: Maloni • Registered address: Rybná 716/24, Staré Město, 110 00 Prague 1, Czech Republic • Company ID (IČO): 27207617
We align every borrower journey with CFPB supervision guidance and the FTC's Truth in Lending Act requirements to ensure APR and fee disclosures stay accurate and fair.[1][2]
All lenders we match are verified in NMLS Consumer Access and maintain active state lending licenses before any volume is routed their way.[3]
Strategic partnerships with acquisition networks like RoundSky keep marketing compliant while delivering pre-qualified, high-intent borrower demand to licensed lenders nationwide.[4]
Rostislav Sikora's leadership roles with Multitude Bank p.l.c. and Confindo provide decades of underwriting, AML, and fair-lending guardrails that inform Loan AI Portal's decisioning models.[5][6]
Outcome metrics—2M borrowers matched, $3,500+ average savings, 4.8★ satisfaction—are sourced from anonymized lending cohort data validated by our annual Borrower Outcomes report. [Source]
At Loan AI Portal, our mission is to revolutionize how Americans access personal loans. We believe that finding the right loan shouldn't be complicated, time-consuming, or expensive. That's why we built the nation's most advanced AI-powered loan matching platform to help borrowers instantly find the best and cheapest online loans available.
Since our founding, we've helped over 2 million Americans secure affordable personal loans, saving them an average of $3,500 in interest and fees. Our commitment is to transparency, speed, and finding you the lowest rates possible from our network of over 100 trusted lenders. [Source][Methodology]
To be America's most trusted destination for fast, affordable personal loans, empowering every borrower with AI technology and transparent pricing.
Transparency, innovation, customer-first service, and a relentless focus on helping borrowers save money and achieve their financial goals.
We promise to match you with the best loan offers in under 60 seconds, with no hidden fees, no pressure, and 100% free service forever.
Loan AI Portal is the largest and most advanced AI-powered personal loan matching platform in the United States. We've revolutionized the personal loan industry by combining cutting-edge artificial intelligence technology with the largest network of trusted lenders to help borrowers find the best and cheapest loans available online.
What sets us apart is our proprietary AI matching algorithm that analyzes over 50 financial data points in real-time to instantly match borrowers with the most competitive loan offers from our network of 100+ licensed lenders. Unlike traditional loan comparison sites that simply list lenders, our AI actually predicts which lenders are most likely to approve your application and offer you the lowest rates.
We serve all 50 states, have processed over $5 billion in loan applications, and maintain a 4.8/5 satisfaction rating validated by quarterly borrower outcome reviews. [Source][Methodology]Our platform is trusted by millions of Americans who need fast, affordable personal loans for debt consolidation, home improvements, medical expenses, major purchases, and more.
As the biggest player in the AI loan matching space, we've partnered with the nation's top lenders including banks, credit unions, and online lenders to ensure you have access to the widest selection of loan products with the most competitive rates and terms.
Our advanced artificial intelligence analyzes your complete financial profile—credit score, income, debts, employment, and more—to instantly match you with lenders most likely to approve your application and offer the lowest rates.
We compare rates, fees, and terms from 100+ lenders simultaneously to ensure you get the absolute best deal available. Our AI identifies hidden savings opportunities that traditional comparison shopping misses.
Time is money. Our streamlined 2-minute application gets you matched with pre-qualified offers in under 60 seconds. Most borrowers receive approval within 24 hours and funding in 1-3 business days.
Your security and privacy are our top priorities. We use bank-level 256-bit encryption, never sell your data, and only connect you with licensed, reputable lenders who meet our strict quality standards.
Access to 100+ banks, credit unions, and online lenders - more than any other platform. More lenders means more options and better rates for you.
Our proprietary machine learning algorithms are constantly improving, ensuring you get the most accurate matches and best rates available.
We compare every lender to ensure you see the absolute lowest APR you qualify for. If you find a better rate elsewhere, we'll match it.
Our service is 100% free forever. We're compensated by lenders, never by borrowers. No application fees, no matching fees, no surprises.
From excellent to poor credit, we have lenders for every situation. Our AI finds lenders who specialize in your credit profile.
Rated 4.8/5 by verified borrowers in post-funding satisfaction surveys. [Methodology]Our US-based support team is here to help you through every step of the loan process.
Our patent-pending AI algorithm has been trained on millions of historical loan applications and continuously learns from every successful match. It analyzes complex patterns in borrower profiles and lender approval criteria that humans simply can't process at scale.
Documented cohorts show 72% of matched borrowers receiving at least one conditional approval within 24 hours and a median $3,500+ savings versus national APR benchmarks. [Methodology]
Interest rates change constantly. Our system monitors rates from all 100+ partner lenders in real-time, ensuring you always see the most current and competitive offers available at the exact moment you apply.
We use sophisticated predictive analytics to assess your approval likelihood with each lender before you apply. This protects your credit score from unnecessary hard inquiries and increases your chances of approval.
Every piece of your personal information is protected by military-grade 256-bit encryption. We're fully compliant with all federal privacy regulations and undergo regular security audits by independent third parties.
We carefully vet every lender in our network to ensure they meet our strict standards for reputation, customer service, transparency, and competitive pricing. Only lenders who are properly licensed, maintain strong financial ratings, and have proven track records of fair lending practices are accepted into our network.
National and regional banks offering competitive rates and established reputations.
Member-focused institutions often providing lower rates and personalized service.
Digital-first lenders offering fast approvals and innovative loan products.
"Loan AI Portal found me a rate 3% lower than my bank offered. I'm saving $175 every month! The AI matching was incredibly accurate and fast."
- Sarah M., Texas
$25,000 debt consolidation loan
"I have fair credit and was worried about getting approved. Their AI matched me with a lender who specialized in my situation. Approved in 24 hours!"
- Michael R., Florida
$15,000 home improvement loan
"Best loan experience ever. The entire process took less than 3 minutes and I had multiple offers to choose from. Funded the next day. Highly recommend!"
- Jennifer L., California
$10,000 medical expense loan
Yes, our service is 100% free for borrowers, always. We're compensated by lenders when you successfully close a loan, but there are never any fees, charges, or costs to you for using our platform. You'll never pay us a penny.
We earn a referral fee from lenders when borrowers successfully close loans through our platform. This business model allows us to offer our service completely free to borrowers while maintaining independence in our matching recommendations. We're never incentivized to match you with anyone other than the best lender for your situation.
Unlike traditional comparison sites that simply list lenders, our AI actively analyzes your complete financial profile and uses machine learning to predict which lenders are most likely to approve your application and offer you the lowest rates. We're the only platform with this level of advanced AI technology and the largest lender network in the industry.
Absolutely. Every lender in our network has been carefully vetted and must meet strict standards for licensing, financial stability, customer service, and fair lending practices. We only work with reputable, licensed lenders who have proven track records of treating borrowers fairly.
Our AI can analyze 50+ data points and compare 100+ lenders in under 60 seconds—something that would take you hours or days to do manually. More importantly, our algorithms have learned from millions of loan applications to predict approval likelihood and identify the lowest rates with 95% accuracy. You simply can't replicate this level of analysis on your own.
No, never. Our service is completely obligation-free. You can view your matched offers, compare rates and terms, and decide if any of them are right for you. There's no pressure to accept anything, and you can walk away at any time with no consequences.
Join over 2 million Americans who have found fast, affordable personal loans through our AI-powered platform. Get matched in 60 seconds. [Source]
We are a lead generator, not a lender. We share your data with lenders so they can consider your request.