Three Months of Fintonic's Loan Simulator Inside ChatGPT
Madrid, 23 October 2026
Fintonic, Spain's leading personal finance and lending platform, and Waniwani, the revenue and compliance infrastructure for the agentic distribution of financial services, today shared the first results of Fintonic's loan simulation running inside ChatGPT and on fintonic.com.
Lead volume from ChatGPT is up 72.2% month on month, and 1,800% since the app went live in June. The same agent also runs on fintonic.com, where Waniwani deployed it in August, and it turns 30% of its conversations into leads.
The experience covers personal loans for Spanish consumers, priced across the 40+ lenders in Fintonic's marketplace and scored with FinScore, the credit indicator Fintonic built in-house.
Why consumer lending
Borrowing in Spain has meant comparison sites, forms, bank connections and a wait before anyone sees a price.
That path assumes the borrower already knows how much to ask for and over how long. Most do not. They know what they need the money for.
So they put the question to an AI assistant instead. Generalist assistants answer it in general terms, with no rate, no lender and no way to act on the answer.
What people ask
Most of the conversations are simulations: how much can I borrow, and what will it cost me every month. A consumer describes what they need financing for in their own words, receives an estimated monthly payment and an indicative TAE fitted to their financial profile, then carries that simulation into Fintonic's application flow without re-entering it.
A growing share of conversations are about FinScore, where people want to understand how their credit standing is read and what moves it. That demand showed up in the agent's own conversations before anywhere else.
About Fintonic
Fintonic is a Spanish fintech and consumer lending platform that helps people understand their finances and access personal loans with less friction. Users can track their spending, check their FinScore and compare offers from more than 40 lending partners.
With over a decade of operating history, Fintonic combines technology and data to improve the borrowing journey. To learn more visit fintonic.com.
About Waniwani
Waniwani is the revenue and compliance infrastructure for the agentic distribution of financial services. As AI becomes the buyer, Waniwani helps service vendors get discovered, optimize their revenue, and stay compliant across AI channels and beyond.
Contact
Waniwani: Robin Diligent, robin@waniwani.ai
Fintonic: Leyre Pérez San José, lperez@fintonic.com