The rapid evolution of Financial Technology (FinTech) has redefined the lending industry by introducing innovative solutions that enhance credit accessibility and transform risk assessment practices. Traditional lending systems, often characterized by lengthy processes and rigid eligibility criteria, have limited access to credit for underserved populations. However, the integration of Artificial Intelligence (AI) into lending-focused FinTech platforms has revolutionized these systems, creating scalable, efficient, and inclusive financial ecosystems. This article explores the transformative potential of AI in FinTech lending, focusing on its applications in credit risk modelling, fraud detection, and personalized loan offerings. By leveraging advanced machine learning algorithms, FinTech platforms analyse large datasets to evaluate creditworthiness with unprecedented accuracy. AI-driven solutions reduce default risks, streamline loan approval processes, and enable real-time decision-making, making credit accessible to individuals and businesses previously excluded from traditional financial systems. The article also examines the role of predictive analytics and natural language processing in detecting fraudulent activities and enhancing customer experiences. Additionally, it highlights the challenges posed by integrating AI into lending systems, including ethical concerns, data privacy, and regulatory compliance. Case studies of successful implementations underscore the impact of these technologies on financial inclusion and operational efficiency. Ultimately, this work provides actionable insights for FinTech firms, regulators, and stakeholders to harness the full potential of AI in lending-focused platforms. By addressing existing challenges and embracing technological advancements, the FinTech industry can create a more equitable and resilient financial landscape, driving innovation and economic growth.