Does Zest AI or Upstart have a free plan?

Zest AI is a paid tool. Upstart is available for free. Always verify current pricing directly with the vendor.

Zest AI vs Upstart

Q: Which is better, Zest AI or Upstart?

Both are strong options. Zest AI has a rating of 0.0/5 (0 reviews), while Upstart has a rating of 0.0/5 (0 reviews). The best choice depends on your specific use case, budget, and workflow requirements.

Q: Is Zest AI cheaper than Upstart?

Zest AI starts at free (enterprise model). Upstart starts at free (freemium model). Use the Cost Calculator above for a detailed estimate.

Q: What are the main differences between Zest AI and Upstart?

Zest AI — "Accurately assess, confidently decision, perpetually optimize lending with AI.". Upstart — "AI lending marketplace for personal, auto, and home equity loans". Key differences include their pricing models, platform support, integrations, and technical capabilities. See the Feature Comparison table above for a complete side-by-side breakdown.

Q: Can I use Zest AI and Upstart together?

Yes, many teams use both tools together for different purposes. Use the Stack Builder section above to combine Zest AI and Upstart with other tools and save your AI toolkit.

Comprehensive side-by-side comparison — features, pricing, performance, and more.

Updated May 2026

Zest AI

Accurately assess, confidently decision, perpetually optimize lending with AI.

0.0(0)

ENTERPRISE

89% data quality

Upstart

Upstart Network, Inc.

AI lending marketplace for personal, auto, and home equity loans

0.0(0)

FREEMIUM

81% data quality

Trust & Reliability

Zest AI

Users:<1K

Customers (per vendor):CCCU

Upstart

Users:1M-10M

Too Close to Call

Zest AI (5.7) vs Upstart (5.7) — difference of 0.0 points

AI Comparison Summary

Zest AI

5.7

avg score

Upstart

5.7

avg score

Both tools score very similarly overall — the best choice depends on your specific priorities.

Based on 6 dimensions

How scores are calculated

Too close to call — it's a tie

Zest AI

Best For

Automating credit underwriting for financial institutions

Detecting application fraud in lending portfolios

Optimizing lending strategies with data-driven insights

Ensuring fair and compliant lending practices

Not Ideal For

Individual consumers seeking personal loans or credit scores

Small businesses without complex lending operations

Non-financial institutions or businesses outside of lending

Upstart

Best For

Securing personal loans with fair rates

Refinancing car loans to save money

Consolidating debt with a single loan

Accessing home equity for various needs

Not Ideal For

Individuals seeking commercial or business loans

Users outside the United States

Those unwilling to have a hard credit inquiry on their report

* Verdict is based on our algorithmic scoring of publicly available data. Learn about our methodology

Zest AI is best for

🎧Customer Support8.0📊Data & Analytics7.0

Upstart is best for

🎧Customer Support3.0

Filter by your use case:

Pros & Cons

Zest AI

Pros

Increases auto-decisioning rates significantly (70-83%)
Reduces risk while maintaining or increasing approval rates
Improves fairness and expands access to credit for protected classes
Provides in-depth model explainability for compliance
Seamlessly integrates with existing lending processes and LOS platforms
Offers proactive portfolio insights and strategy adjustments

Cons

Primarily targets large financial institutions, not suitable for individual users
Requires significant integration and implementation effort for enterprise clients
Pricing is enterprise-level, likely custom and not transparently listed
Relies on data science expertise for optimal model management and compliance
No public self-service demo available, requires scheduling a call

Upstart

Pros

AI model allows for higher approval rates (43% higher)
Offers 33% lower APRs compared to traditional models
Fast application process with instant decisions for most
Next-day funding for personal loans
No prepayment penalties on loans
Considers more than just credit score (education, employment)

Cons

Hard credit inquiry impacts score if application proceeds
Minimum loan amounts vary by state
Lowest rates only available to most qualified applicants
Loan processing may take longer if additional documentation is required
Not all applicants will be approved

Weighted Score — Adjust What Matters to You

Pick a profile or drag sliders — scores and radar update instantly on the right.

Quick profiles:

Ease of Use5

Output Quality5

Value for Money5

Customizability5

Support & Ecosystem5

Integration Power5

Dimension Comparison

Zest AI

5.7

/ 10

Upstart

5.7

/ 10

Dimension Breakdown

Ease of Use

How easy it is to get started and use daily

Zest AI

4.0

Upstart

8.0▲ +4.0

Output Quality

Quality and accuracy of generated results

Zest AI

8.0▲ +1.0

Upstart

7.0

Value for Money

Cost vs. features and output quality

Zest AI

6.0

Upstart

7.0▲ +1.0

Customizability

Calculated

Ability to tailor to specific needs

Zest AI

5.0▲ +1.0

Upstart

4.0

Support & Ecosystem

Documentation, community, and support quality

Zest AI

7.0

Upstart

7.0

Integration Power

Calculated

Ability to connect with other tools and workflows

Zest AI

4.0▲ +3.0

Upstart

1.0

Calculated = derived from verified integration count and API/open-source signals. AI = LLM-assessed from public website content. Methodology

Task Performance

Zest AI

Task

Upstart

2.0

Transaction Processing

2.0

7.0

Financial Reporting

2.0

Expense Management

2.0

3.0

Tax Compliance

2.0

6.0

Budget Forecasting

2.0

Invoice Automation

2.0

3.0

Reconciliation

2.0

8.0

Audit Support

3.0

7.0

Cash Flow Analysis

3.0

9.0

Regulatory Compliance

4.0

* Task scores (1–10) are algorithmically generated from publicly available data.

Data is sourced from public information and vendor websites. It may not always be up-to-date — verify pricing and features directly with the vendor before purchasing.Report inaccuracy

Frequently Asked Questions

Which is better, Zest AI or Upstart?

Both are strong options. Zest AI has a rating of 0.0/5 (0 reviews), while Upstart has a rating of 0.0/5 (0 reviews). The best choice depends on your specific use case, budget, and workflow requirements.

Is Zest AI cheaper than Upstart?

Zest AI starts at free (enterprise model). Upstart starts at free (freemium model). Use the Cost Calculator above for a detailed estimate.

What are the main differences between Zest AI and Upstart?

Zest AI — "Accurately assess, confidently decision, perpetually optimize lending with AI.". Upstart — "AI lending marketplace for personal, auto, and home equity loans". Key differences include their pricing models, platform support, integrations, and technical capabilities. See the Feature Comparison table above for a complete side-by-side breakdown.

Can I use Zest AI and Upstart together?

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