How much does Zest AI cost?

Zest AI uses enterprise pricing. Contact their sales team for a custom quote.

Does Zest AI have an API?

Yes, Zest AI offers a public API for developers to integrate its capabilities into custom applications and workflows.

Launching soon — get early access:

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AI Tools

Q: What can Zest AI do?

Zest AI can: AI-Automated Underwriting for credit decisions, AI Fraud Detection to protect portfolios, Lending Intelligence with real-time LOS data, LuLu Strategy module for generative AI in lending. Best for: Automating credit underwriting for financial institutions.

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Zest AI

Enterprise-ready

Best for financial institutions

Fair lending focused

AI-powered underwriting

Risk reduction

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

Last updated: May 14, 2026

ENTERPRISE

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zest.ai

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Quick Answer

Zest AI is an enterprise AI platform for financial institutions that automates credit underwriting, detects fraud, and provides lending intelligence. It helps banks and credit unions make smarter, fairer, and faster credit decisions by integrating AI into their lending processes. Best for large financial institutions seeking to optimize risk and ensure compliance. Enterprise pricing available upon request.

About Zest AI

Zest AI is an enterprise AI platform for financial institutions, offering AI-automated underwriting, fraud detection, and lending intelligence. It helps banks, credit unions, and specialty lenders make smarter, fairer, and faster credit decisions. The platform integrates seamlessly into existing lending processes to boost responsible lending and decrease risk.

What Makes It Unique

Zest AI utilizes adversarial debiasing in its algorithms to ensure fair lending outcomes, increasing approvals across protected classes while maintaining accuracy and compliance with evolving regulations like those from the CFPB.

AI-extracted from public sources. May contain errors. ·

Methodology

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Use Cases & Target Users

Use Cases

Compliance

Automation

Data Analysis

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

Expanding access to affordable credit responsibly

Company Size

MEDIUM

ENTERPRISE

Fit Score

Complexity

Advanced

Target Team Size

LARGE_TEAM

Target Skill Level

INTERMEDIATE

EXPERT

Key Features

AI-Automated Underwriting for credit decisions

AI Fraud Detection to protect portfolios

Lending Intelligence with real-time LOS data

LuLu Strategy module for generative AI in lending

Fair lending compliance with adversarial debiasing

Customizable credit risk models

Technical Specifications

API Available

SDK Available

MCP Compatible

Open Source

Team Features

SSO/Enterprise

Webhook Support

Has Demo

Function Calling

Browser Extension

Sandbox Mode

Audit Logs

Free Plan

No Signup

Works Offline

Requires Host App

Framework

MCP Server

IDE Plugin

Inference API

SCIM Provisioning

Developer Access

API

ENTERPRISE

Deployment:

CLOUD

Uses models:1

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

Limitations

-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

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Base Models

Machine learning

Uses Models

Machine learning