AI-automated Underwriting
Give all your borrowers a fair shot and delight them with more accurate insights, and instant decisions.
Smarter, Fairer, more Efficient Lending for Auto Lenders
Lead the competition and better serve your customers and dealers with proven AI
Get a custom analysisIntelligent and agile lending for auto lenders is within reach
01. Accurately Assess
When you have the most accurate risk assessments and optimized policies to drive your underwriting, your lending business is able to weather any economic climate effectively.
- Reduce delinquencies, charge-offs, and repos.
- Expand access to lending to more applicants without additional risk.
- Ensure fair lending without bias using using industry-leading, compliant technology.
- Be more competitive and delight customers and dealers with instant decisioning.
02. Confidently Decision
With smarter insights and seamless process integration, protect against origination fraud holistically without compromising automation.
- Detect first-party and third-party fraud, and validate income and identity accurately.
- Easily adjust detection tolerances to manage risk and automation goals.
- Gain better visibility into fraud detection and overall decisioning performance.
03. Perpetually Optimize
Be agile and proactively manage your lending strategy with proven AI and industry-leading expertise.
- Partner with a dedicated team of experts that support your unique goals
- Better manage your lending business with actionable insights.
- Get visibility into your lending process and performance like never before.
Policy leading in our innovation
“We have you covered for the regulations of today and the policies of tomorrow with our commitment to fair and transparent AI. The Zest AI legal team is dedicated to ensuring that our customers have the tools, support, and information needed to confidently navigate AI lending compliance.”
Teddy Flo
Zest AI Chief Legal and Compliance Officer
Innovation that sets the bar on compliance for AI in financial services
- Transparent, actively monitored, empirically validated AI models
- Technology aligns with FCRA, ECOA, Regulation B and exceeds regulatory expectations
- Comprehensive Model Risk Management documentation
- Robust Fair Lending reporting and testing
- LDA searches with proprietary algorithmic fairness technology
Build a thriving lending ecosystem with best-in-class AI
Fraud Detection
Boost your lending confidence and protect your business against application fraud holistically and seamlessly.
Lending Intelligence Reports
Get ongoing actionable insights across your lending lifecycle to create an agile and durable business.
“Zest AI helps Reliable Credit Association identify credit risk across the credit spectrum with confidence. The accuracy of the models allows us to effectively, objectively, and consistently price for our credit risk appropriately. The Zest team has been a great partner in supporting us to achieve our goals.”
Auto lenders, ready to thrive?
Request a no-obligation, custom proof of concept to see the real benefits and opportunities for your lending organization and customers.
Let's ConnectGet more insights on powering lending with AI
