VoiceOI is an outbound AI voice agent for financial services call teams. It follows up with people who asked about a loan, an account or another product, asks a few fit questions, and live-transfers interested prospects to your loan officers, advisors or account reps. Anything involving account numbers, credit details or advice stays with your licensed staff.
Bots take the first call on inquiry and customer lists; licensed people take the conversation.
Call people who asked about a mortgage, a refinance, a personal loan or business funding, and find out whether they want to talk now.
Work through older inquiries that never reached a loan officer, and log who is still interested.
Call customers who agreed to hear about other products, such as a new account type or a renewal.
Remind customers that a renewal or review is coming up, and offer a person to talk it through.
Filter lists by state, area code or zip so campaigns only dial where your staff are licensed.
Interested prospects go to the right person on the live call, picked by your routing rules.
Selling insurance as well? See the AI voice agent for insurance.
A bot should find out whether someone is interested and in scope, not collect their financial life. Keep its questions to things like product interest, timeline and state, and transfer before anyone is asked for account numbers, Social Security numbers, income or credit details.
VoiceOI doesn't take payments, and it doesn't claim SOC 2, PCI DSS or similar certifications, so design scripts that don't capture sensitive data. Calls can be recorded and transcribed, which is one more reason to leave sensitive questions to your team.
From the inquiry list to a loan officer on the line.
Upload a CSV list to the built-in dialer, or work your VICIdial lists with bots as remote agents.
Calls follow your schedule, retry rules and each lead's timezone window.
Answering machine detection ends the call on a machine and logs it as AM; no voicemail is left.
The bot opens with your script, can play an optional AI-voice disclosure, and confirms it's speaking with the person who inquired.
A few questions on interest, timeline and state. A spoken do-not-call request ends the call.
Interested prospects are handed over SIP to the loan officer or advisor your routing rules pick, and the bot drops off. The disposition, recording and transcript are saved, with AI-written notes for the advisor on the Good Fronter tiers.
How the handoff works: AI live transfer for call centers.
An example structure for people who asked to hear from you. Write your own wording and rules, and have your compliance team approve the final script.
| Step | What the bot says | If the answer is | Then |
|---|---|---|---|
| Right person | Hi, this is Alex calling for [Company] about the refinance inquiry you sent in. Am I speaking with [First name]? | Not the right person | Apologize, end the call and log it |
| Disclosure | [Your AI-voice disclosure, if you turn it on] | Any | Continue |
| Interest | Are you still looking at refinancing? | No | Thank them and end the call |
| Timeline | When are you hoping to do this? | Outside the window you set | Close politely, no transfer |
| State | Which state is the property in? | A state where you are not licensed | Close politely, no transfer |
| Transfer offer | Would you like to talk with a loan officer now? | Yes | Live transfer to the loan officer |
Each fronter tier caps the number of questions: the Simple Fronter tiers allow max 3 questions, and the Good Fronter tiers allow max 5 questions. This sample asks five, so it fits the Good Fronter tiers. Count your own questions before you pick a tier, and keep the fit questions to interest, timeline and state.
Screen by state twice: filter the lead list by state, area code or zip so bots only dial where your staff are licensed, and ask the state question as a backstop for leads whose number and property state differ.
Since the FCC's February 2024 ruling, AI-generated voices count as "artificial" voices under the TCPA. Telemarketing calls made with one, such as offering a loan or a new account, need prior express written consent, and Do Not Call rules apply.
Rules for your products, such as lending disclosures and state licensing, stay with your compliance team, as does responsibility for the calls themselves. VoiceOI provides controls, not legal advice.
Details: TCPA controls for AI voice calls and do-not-call controls.
Both bot types are built in the same no-code script builder and tested in the simulator before they dial a real lead.
Plays fixed, pre-recorded lines for wording your compliance team has approved, such as the opening, the AI-voice disclosure and the transfer offer.
An LLM-driven agent that converses inside the persona, questions and rules you set. It suits leads who ask questions before agreeing to talk to a loan officer.
Build either in the no-code AI voice agent builder.
Bots run as VICIdial remote agents next to your people, and dispositions are written back to VICIdial.
VICIdial AI integrationWithout VICIdial, the built-in dialer calls through Twilio, Telnyx or any SIP carrier you add in the Carrier Manager.
SIP trunk for AI voice agentsA loan-inquiry script is short, so the fronter tiers cover it. Billing is prepaid per bot with no per-minute AI fee; your carrier bills the call minutes.
| Fronter tier | Connection | List price | Questions | Includes |
|---|---|---|---|---|
| VICIdial Simple Fronter | VICIdial / Asterisk | $25 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Connects to VICIdial / Asterisk |
| VICIdial Good Fronter | VICIdial / Asterisk | $35 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Connects to VICIdial / Asterisk |
| SIP Simple Fronter | Hosted SIP | $45 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Dedicated Switch |
| SIP Good Fronter | Hosted SIP | $55 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Dedicated Switch |
Fronter bots, which transfer calls, list from $25 per bot per month. Advisor notes come with the VICIdial Good Fronter and SIP Good Fronter tiers, from $35. If you would rather have call data in a spreadsheet than a transfer, the Pro LG tiers export one row per call to Google Sheets from $65per bot, but LG tiers don't transfer calls. Volume discounts go up to 60% as bot counts grow.
Current rates: VoiceOI per-bot pricing.
Common questions about outbound AI calling for lenders and financial teams.
It makes outbound calls to your inquiry and customer lists, asks a few fit questions such as product interest, timeline and state, and live-transfers interested prospects to your loan officers, advisors or account reps. It doesn't answer inbound calls.
Don't script it to. Keep the bot's questions to interest and fit, and let licensed staff gather account numbers, Social Security numbers, income or credit details after the transfer. Calls can be recorded and transcribed, and VoiceOI doesn't claim PCI DSS or SOC 2 certification.
No. VoiceOI doesn't take payments or card details. Transfer customers who want to pay to your team.
Interested prospects are put through to the loan officer, advisor or rep your routing rules pick, on the same live call. The bot does not stay to make introductions. The Good Fronter tiers add AI-written notes for that person.
AI voices count as artificial voices under the TCPA, so telemarketing calls such as loan or account offers need prior express written consent. Your compliance team and counsel decide what applies to your products and states.
Not yet; CRM integrations are coming soon. Today the dashboard holds call logs, dispositions, recordings and transcripts, bots on VICIdial write dispositions back to VICIdial, and on the Pro LG tiers a Google Sheets step adds a row per call to a sheet you connect.
Write the fit questions, test the script in the simulator, and let bots follow up on inquiries while your licensed staff take the transfers.
Last updated: October 1, 2026