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Celeste AI

Celeste uses AI to collect SMB loan payments.

Checked 4 Oct 2026 Reviewed by Alex Listed since October 2024

Screenshot of Celeste AI

At a glance

Starts at $29 per month Price as published by the vendor, September 2026.
Free tier No
Platforms Web, macOS, Windows
Best for SMB lenders and debt buyers
Not for Highly customized collections strategies

3.9 out of 5

Scored by Alex after real use

Our verdict

Uses AI for efficient collection but lacks manual overrides.

✓What it does well

Intelligent AutomationAutomate collections using AI agents with no guesswork needed.
Real-Time InsightsSee borrower behavior and risk the moment it changes.
Measurable GrowthCut manual work while boosting recovery rates significantly.

✕Where it falls short

Manual OverridesDoes not support manual collector interventions or adjustments.
Static DataRelies on static data rather than dynamic risk assessment.
Limited CustomizationLacks advanced customization for highly specific collections strategies.

Key features

AI AgentsAutomate collection using AI agents.
Real-Time InsightsProvide real-time borrower risk and behavior insights.
Measurable GrowthTrack recovery rate improvements with measurable data.
Dynamic Risk AssessmentProvides adaptive risk evaluation based on borrower behavior.

Questions about Celeste AI

What does Celeste AI do?

Celeste AI uses AI to collect SMB loan payments. Its AI agents automate collections, it shows borrower behavior and risk the moment they change, and it tracks recovery rate improvements with measurable data. The reviewer credits it with cutting manual work while lifting recovery rates.

How much does Celeste AI cost?

Celeste AI starts at $29 per month on the Basic plan, which is priced per account and includes basic features and support. The Pro plan costs $49 per month and adds Pro features plus priority support. There is no free tier.

Who is Celeste AI best for?

Toolio lists SMB lenders and debt buyers as the best fit for Celeste AI. It is not built for highly customized collections strategies, since the reviewer notes it lacks advanced customization for very specific approaches. It runs on the web, macOS and Windows.

Can collectors manually override Celeste AI?

No. The reviewer notes that Celeste AI does not support manual collector interventions or adjustments, and the verdict sums the tool up as efficient AI collection that lacks manual overrides. Teams that want collectors to step in on individual accounts should weigh this before choosing it.

How does Toolio rate Celeste AI?

Celeste AI holds a Toolio score of 3.9 out of 5, given by Alex after real use on 4 Oct 2026. The verdict praises its efficient AI-driven collection but flags the lack of manual overrides. It has been listed on Toolio since October 2024.