Planck vs Zest AI (2026): Pricing, Features & Which to Choose

Who comes out ahead

Based only on the facts in our directory. The right pick still depends on the job you need done.

Lower starting price
Not comparable
Not comparable: Planck does not list a price
Free plan
Tie
Neither has one
Higher rating
Zest AI
4.0 against 4.2
Same job?
Yes
Both are Finance & Fintech AI tools

Side by side

Compared on	Planck	Zest AI
Our rating	4.0	4.2Better
Starts at	Not listed	Not listed
Free plan	No	No
Category	Finance & Fintech AI	Finance & Fintech AI
Plans	See pricing	See pricing
Key features	PLUS Data business classification from public sources PLUS Risk Workbench chat interface for underwriters Planck Enterprise integration across the policy lifecycle GenAI Assistant for yes/no underwriting questions Customisable insights and multiple classification schemes	AI credit-underwriting models built for explainability under regulatory scrutiny Nearly 300 lenders using its models, representing $5.5 trillion in assets Automates up to 80% of loan applications without manual underwriting Reports roughly a 20% reduction in chargeoffs for lenders using its models $200M growth investment from Insight Partners in December 2024
Pros	Checks the application form against the business's own public footprint Standardises decisions rather than only speeding them up Backed by Applied Systems since the acquisition	Explainability built in specifically to satisfy lending regulators and examiners Massive scale of lenders and assets under management validates real-world reliability Reported chargeoff reduction gives lenders a concrete, measurable return
Cons	No published pricing GenAI Assistant still limited to restaurants, bars and taverns Classification bias is a regulated question in insurance, not a technical one	Enterprise quote-based pricing requires a sales conversation Built specifically for regulated lending, not applicable outside credit underwriting Implementation requires integration with a lender's existing loan origination systems
Company	Applied Systems	Zest AI, founded 2009

Prices come from each vendor's pricing page, last checked 20260817. Check the vendor before you buy.

FAQ

Questions people ask

Is Planck better than Zest AI?

In our reviews Planck scores 4.0 and Zest AI scores 4.2. The better pick depends on the job. Planck: Classifies a commercial risk from public data so an underwriter is not guessing. Zest AI: 300+ lenders use its models to automate 80% of loan decisions.

Which is cheaper, Planck or Zest AI?

Planck: see pricing. Zest AI: see pricing.

Do Planck and Zest AI have free plans?

Neither lists a free plan.

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