Sunshine Loans is a consumer lending company based in the U.S., offering fast, state-licensed personal loans online. Known for its speed and service, Sunshine Loans processes more than 700,000 applications monthly, making Retell's AI voice agents crucial to maintaining and scaling operations further.
Their tech-forward culture had already automated underwriting, so automating inbound and customer service only made sense. After years of relying on a costly offshore call centers, Sunshine Loans needed a smarter, scalable way to handle rising support volume without growing headcount. They now trust Retell AI to do that now.
“Our abandonment rates were really high before, some days it was like 20 to 30%, but now it's gone down to around 5 or 6% across the business, with AI handling 75-80% of all of our calls.”
Money Spot’s contact volume was skyrocketing, but their call center couldn’t keep up. Even with 100+ agents, abandonment rates often hit 30%, and customer satisfaction was inconsistent. The unfortunate truth was that these call centers could not engage with customers with the same values and respect that the company aims to embody.
With Retell AI, the company launched an inbound voice agent capable of handling the majority of inquiries while maintaining the utmost of customer trust, including:
“The AI call is much more knowledgeable and can provide the service a lot more efficiently.”
Now, 75–80% of calls are fully resolved by AI, no human needed.
“We can provide almost like a full service to that customer completely via the AI, which is really cool.”
As a licensed lender, Sunshine Loans needed bulletproof compliance and reporting.
Retell AI provided a safer and easier experience for Sunshine Loans to ensure compliance:
“It’s better for compliance…we can see everything and report it really easily.”
The AI agent not only performs better than offshore staff, it provides audit-ready transparency.
Prior to Retell, Sunshine Loans was spending millions on outsourced phone support.
“That’s only possible due to automation. So, that’s what we’re trying to do: have more higher skilled people and trying to get them to be more productive.”
This freed up their in-house staff to focus on high-value work while giving customers faster, smarter answers.
For a global lender like Sunshine Loans, scaling into non-English-speaking regions once required new call center hires, translation services, and manual oversight. With Retell AI, those barriers are gone.
“We feel like we’re able to go into non-English speaking countries now because the language barrier is removed.”
This capability unlocked safe, fast international expansion, and laid the groundwork for further omni-channel automation.
Dominic Quirk, Sunshine Loan's CEO, didn’t need a big team to launch. He deployed Retell AI with just one junior developer:
“It was just easier for us to make progress ourselves… because we understand our business and what we need.”
Despite processing over 700,000 applications a month, they believe they’re still early in unlocking everything Retell AI can do:
“To be honest, I don’t think we’ve utilized it to its full potential yet.”
Sunshine Loans is now piloting outbound voice use cases:
They’re also preparing to expand to chat, email, and multilingual agents:
“Once we have chat and email, we’ll be almost 100% automated—which is something I’d love.”
Book a demo or explore what’s possible with Retell’s AI voice agents—built to grow with your business.
Revolutionize your call operation with Retell.
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