Artificial Intelligence Revives Lending for Borrowers with Low Credit Scores

New York, Thursday, 15 January 2026.
Amidst tightening bank regulations in early 2026, artificial intelligence is unlocking credit for subprime borrowers by prioritizing current income stability over past credit history. This shift in risk assessment allows lenders to identify reliable applicants who are traditionally excluded by credit score cutoffs, effectively reshaping the consumer lending landscape.