Spark writes the campaign
The Spark article, updated January 6, 2025, says Spark generates a campaign from a goal, a style, sending days and events per day, plus individual event messages. Event-message generation costs 10 tokens per click.
Does Bonzo’s AI reply to leads?
Does Bonzo’s AI reply to leads automatically?
Quick answer: Bonzo’s help center, checked October 17, 2026, doesn’t describe its built-in AI replying to leads on its own. Spark and the newer Bonzai write campaigns, event messages and draft replies, and the Bonzai Assistant checks with you before it sends. LoanWick is a separate assistant that holds live two-way text conversations inside Bonzo, using lead history and your stage rules.
The answer below is from Bonzo’s help center, for a Bonzo user who wants inbound replies handled.
Last checked October 17, 2026
LoanWick is not made, sponsored or endorsed by Bonzo.
The short answer
Last checked October 17, 2026, against Bonzo’s public help center. The sections below cite those articles. They are not a test of one Bonzo seat.
What Bonzo’s built-in AI does today
Bonzai launched October 13, 2026
Meet Bonzai, updated October 15, calls Bonzai the AI built into Bonzo. The Assistant asks before it sends or changes anything. Creation Flow builds campaigns, and nothing goes live until you review it. Compose’s sparkle button suggests a first draft.
Calls, video, and what is still rolling out
The same article describes Call Review, transcription, a Voice Profile, ringless voicemail and personalized video, and says more Bonzai features are rolling out soon. It does not say Bonzai replaced Spark.
A preset text is not an AI reply
“Auto-respond to texts after shift” is one custom preset text. Campaigns can stop when a prospect responds, and a loop campaign can continue for leads who do not. Those are automations, not a documented AI conversation.
Sub-articles linked from Meet Bonzai, such as a Compose how-to or a Bonzai price page, did not turn up in the help center search on October 17, 2026. This page does not describe them.
What Bonzo’s docs do not describe
The Spark and Meet Bonzai articles do not describe an AI that holds the live two-way conversation on its own. Compose suggests a first draft, and the Assistant asks before it sends. You are still in the send path.
Bonzo’s July 31, 2026 release notes mention an inbox indicator for prospects “your AI responder is engaged with.” The note does not say whose AI that is. Confirm it with Bonzo before you assume a built-in auto-reply.
How LoanWick handles the reply inside Bonzo
LoanWick reads available Bonzo history, notes, pipeline stage and the assigned officer’s settings. It sends through Bonzo only if opt-out, hold, timing and recent-human-activity checks pass. Inbound replies take priority.
In stages you enable, it follows up with quiet leads after those checks. It can offer times from the officer’s availability and booking link. External calendar busy times are not synced.
It steps back when the loan officer texts. An optional, configurable wait can give the officer the first chance to reply, and that wait is not always on. Sends respect the lead’s local contact window. Outreach stays off until activation is approved.
Using Bonzo’s AI and LoanWick together
Spark or Bonzai can write the nurture campaign. LoanWick can take the reply, and follow up only in stages you turn on. Split those stages so one lead does not get both at once. Bonzo campaigns can stop when a prospect responds. LoanWick does not build the campaign sequence.
Who does which job
| Job | Bonzo built-in AI, per its help center | LoanWick, per loanwick.com |
|---|---|---|
| Write campaigns | Yes. Spark, and Bonzai Creation Flow. Nothing in Creation Flow goes live until you review it. | No. LoanWick does not build campaign sequences. |
| Draft a reply for you | Yes. Bonzai Compose suggests a first draft. | Writes the reply and sends it through Bonzo when checks pass. |
| Send AI replies without you | Not described. See the July 31 “AI responder” note and confirm with Bonzo. | Yes. Two-way texts are sent through Bonzo. |
| Follow up quiet leads | Through campaigns you run, including loop campaigns. | Only in stages you enable, after opt-out, hold and timing checks. |
| After-hours text | A preset “after shift” auto-response, one custom text. | An AI reply. Sends respect the lead’s local contact window. |
| Calls | Transcription, Call Review, and ringless voicemail with a Voice Profile. | AI calling is rolling out per seat after voice setup and consent. |
| Pricing model | Tokens. AI features need the token-based system. One example is 10 tokens per AI event message. | Monthly by lead volume, from $49. No per-seat fee. Bonzo is billed separately. |
Checked October 17, 2026. Re-check Bonzo before you rely on a feature. A help article is not your seat’s configuration.
Questions before you choose
Does Bonzo’s AI reply to leads?: common questions.
Does Bonzo have AI?
Yes. Bonzo’s help center describes Spark and, since October 13, 2026, Bonzai, which it calls the AI built into Bonzo. This page was checked on October 17, 2026.
Does Bonzo Spark reply to leads for me?
The Spark article describes generating campaigns and event messages, not holding a live two-way conversation. That article says event-message generation costs 10 tokens per click.
What is Bonzai?
Bonzai is the AI Bonzo launched on October 13, 2026. Its help article says the Assistant asks before it sends or changes anything, Creation Flow stays off until you review it, and Compose suggests a first draft.
Does Bonzo’s “auto-respond after shift” use AI?
No. Bonzo’s communication settings describe it as one custom preset text sent after a shift, not an AI conversation.
How do I get AI to text my Bonzo leads back?
LoanWick is a separate assistant that reads Bonzo history and your stage rules, then sends a reply through Bonzo when its checks pass. The browser demo uses fictional leads and sends no texts.
Can I use Bonzo’s AI and LoanWick together?
Yes. Spark or Bonzai can write the nurture campaign, and LoanWick can take the reply. Split stages so the same lead does not get overlapping messages.
Is LoanWick made by Bonzo?
No. LoanWick is independent. It is not made, sponsored or endorsed by Bonzo.
Sources and review scope
First-party descriptions checked October 17, 2026. Capabilities, prices, and availability can change. Confirm required workflows directly with each provider.
- Bonzo help center: Spark, AI Generated Campaigns and Event Messages (updated 2025-01-06)
- Bonzo help center: Meet Bonzai (created 2026-10-13, updated 2026-10-15)
- Bonzo help center: Release Notes, October 13th, 2026
- Bonzo help center: Communication Settings, auto-respond after shift (updated 2026-08-10)
- Bonzo help center: Campaigns overview, stop on response and loop campaigns (updated 2026-08-10)
- Bonzo help center: Account Settings, after-shift SMS (updated 2026-08-20)
- Bonzo help center: Release Notes, July 31st, 2026
- Bonzo help center: Company Settings, token-based AI features (updated 2026-09-22)