The financial industry is undergoing a paradigm shift with the integration of artificial intelligence (AI). In particular, the loan sector has seen significant advancements as AI technologies enable lenders to offer personalized loan products and terms. By analyzing financial data and customer behavior, AI can tailor loan offers to meet individual needs, thereby enhancing customer satisfaction and retention. This article explores how AI can analyze customer data to deliver personalized loan products and terms, detailing the benefits and challenges of this approach.