Grow your membership without growing your risk
Grow membership safely
See who you're actually turning away
Analyze hundreds of data points per applicant, surface creditworthy applicants that a single threshold would reject
Use the right data to personalize campaigns
Identify more targeted pre-screen, pre-qualification, and pre-approval campaigns—and surface the next-best product for your borrowers
Back up your decisions with data
Analyze hundreds of data points per applicant, surface creditworthy applicants that a single threshold would reject
The numbers behind sustainable growth
higher approval rates without additional risk
average lift across protected classes
faster loan growth for Zest AI customers
vs. industry standard
How Zest AI helps at acquisition
Wider prescreened population
Expand your top of funnel with Zest AI’s holistic underwriting models—instead of traditional broad credit score cutoffs.
Increase wallet-share opportunity
Identify characteristics of applicants most likely to need, qualify for, and say yes to their next product— no more generic cross-sell campaigns.
Better prequalifications, fewer wasted offers
Higher-accuracy scoring means more confident prequalification decisions. Teams can build more targeted campaigns using Zest AI risk predictions.
A closed loop system
LuLu keeps monitoring performance after launch, feeding results back into the strategy—so improvements stay data-driven, not one-off.
Zest AI’s underwriting technology is a game changer for financial institutions... With an auto-decisioning rate of 70-83%, we’re able to serve more members and have a bigger impact on our community.
Jaynel Christensen
Chief Growth Officer
FAQs
What is the benefit of using Zest AI's Prescreen feature?
Zest AI's Prescreen feature uses the same scoring model for marketing campaigns as it does for loan decisions, ensuring a consistent risk standard from campaign to close. This alignment between marketing and underwriting prevents having members on marketing lists who wouldn't even qualify when they apply. Ultimately, it surfaces members your model would approve, allowing you to extend more offers within the same risk tolerance.
Does Zest AI only work for new-member acquisition, or can we use it on existing members too?
Both! The same score can be used to create filters for pre-screen lists for new applicants and to identify existing members who qualify for a next product.
Does Zest AI replace our current bureau or pre-screen vendor?
No. Zest AI's scores are appended to the file you already send to your bureau (Experian, TransUnion, or Equifax)—you'll keep your existing prescreen vendor relationship and file layout, just with a Zest AI score column added.
How long does it take to get a pre-screen model live with our bureau?
Containerizing and shipping a model to your bureau for testing generally takes about six weeks—three to four weeks of containerization plus two weeks of bureau-side testing. Timelines can flex depending on how many product-specific models you're running.
If you'd like a directional proof of value using aggregate portfolio data, reach out to our team.