About us

Together we work for

faster growth
greater scale
better outcomes
more transparency

faster growth
greater scale
better outcomes
more transparency

Together we work for faster growth, greater scale, better outcomes, and more transparency

Where purpose and technology intersect
Illustrative credit score cards showing a Zest score of 720 and a traditional bureau score of 660.

Delivering smarter lending with the power of AI

$
5.6
T

Overseen by lenders we serve

1500
+

Active models
and growing

1
in
4

Credit union members able to benefit from Zest AI technology

50
+

Patents issued and pending

We believe AI can be a force for good

Zest AI is a US-based technology company, headquartered in Burbank, California. Our team is made up of passionate, collaborative, smart people with a bias for action and a lot of heart.

We are focused on modernizing lending and strengthening the financial system for all.

Zest AI employees gathering near a ZestAI green wall

Zest Cares

Our mission is to broaden access to fair lending, and that mission doesn't stop at our software.

$2M+
donated
400+
days of service
3+
charities we serve

Zest Cares is how we bring our sponsorships, donations, and service work together, with a focus on the causes our credit union partners care about most. That support goes where people need it. It funds scholarships, financial education, emergency help for soldiers, and grants for affordable housing. We're proud to back the National Credit Union Foundation, CU4Kids, and World Vision, and we were there for Maui after the wildfires. We give through the eyes of our customers, because their communities are ours too.

A pioneer in AI lending innovation since 2009

The Zest AI story

2009

Founded to pioneer AI in lending

2019

A new name, a sharper focus

2020

Helping more families achieve home ownership

2021

A trusted partner to credit unions

2024

Expanding AI solutions

2025

A first-of-its-kind GenAI

2026

Scaling impact across the industry

Let’s talk

Have questions about Zest AI and want to learn more about how we are changing the credit system?

Contact us

Ready for the Zest AI life?

Check out our open roles and join a team with purpose

Current openings