They Won’t Talk to You—But They’ll Talk to Us

Borrowers haven't stopped needing help. But they have stopped answering.

If you're in consumer lending or run a servicing team, you're facing a crisis: contact rates are plummeting. More voicemails, fewer live conversations, and countless calls ending in silence.

Why Borrowers Aren't Picking Up

It's not that borrowers don't want to talk—it's that traditional lender communication hasn’t kept up. Between poor timing, call fatigue, and outdated systems, borrowers are tuning out.

Here's what's killing your contact rates:

1. People screen everything

If your number isn't saved, it's likely getting ignored—or blocked before it rings. Spam filters are more aggressive than ever, and borrowers have grown cautious.

2. You're calling when they can't answer

Ironically, the best times to reach borrowers—early mornings and evenings—are exactly when most call centers go dark. And when they are staffed? It's during business hours, when borrowers are least likely to pick up.

3. First call, last chance

Slow transfers, robotic IVRs, frustrating hold times—your first impression might be your last. When a borrower hangs up once, they rarely pick up again.

What Voice AI Can Actually Fix

Voice AI isn't the silver bullet for every servicing challenge. But when built specifically for consumer lending—and designed with compliance at its core—it solves the problems that matter most.

1. Getting Past the Screen

Salient's Voice AI has the tone to break through screening behavior. Our agents identify themselves and communicate naturally. Building trust that keeps borrowers on the line and engage. Our system continuously learns which approaches drive the best answer rates for different borrower segments.

2. We Call When They Answer

Borrowers are far more likely to pick up in the early morning or evening—exactly when most call centers aren’t staffed. Salient uses local-time logic to hit those moments—when most call centers aren’t running—and delivers a voice that sounds real, so borrowers stay on the line.

3. Hold-Free. FDCPA-Approved

No IVR mazes. No transfers. No hold music. Salient connects borrowers directly to solutions—fast. Every interaction is thoroughly logged, auditable, and compliant with FDCPA and TCPA requirements.

Real Results from Real Lenders

Salient is already powering loan servicing for major auto lenders across the country. To date, we've:

• Managed 39M+ interactions

• Engaged with 3M+ unique borrowers

• Driven $1B+ in collections

This isn't just automation. It's the operating system for modern loan servicing.