Shortlist by what you need
Start here if you know why you are leaving Zest AI.
Want the closest match?
EnFiMost similar to Zest AI in what it does, its category and its price.
Visit (opens EnFi in a new tab)Want the best rated?
Clarity AIRated 4.4 out of 5 in our review, against 4.2 for Zest AI.
Visit (opens Clarity AI in a new tab)
At a glance
Green means better than Zest AI, red means worse. Prices are starting prices per month.
| Tool | Our rating | Starts at | Free plan | Best for | Compare |
|---|---|---|---|---|---|
 Zest AIBaseline | 4.2 | Not listed | No | 300+ lenders use its models to automate 80% of loan decisions | |
| EnFi | 3.9−0.3 | Not listed | No | AI credit decisioning that reads broader datasets than traditional lending scoring models | vs Zest AI |
 Casca | 4.1−0.1 | Not listed | No | An AI-native loan origination system that automates document collection and credit-memo prep for business lenders. | vs Zest AI |
 finbots.ai | 3.4−0.8 | Not listed | No | Build a credit scorecard in a day instead of 9-12 months - creditX makes lending decisions in under 0.03 seconds, reporting 20%+ higher approvals and 15%+ lower losses. | vs Zest AI |
 Sixfold | 4.2Same | Not listed | No | Its AI Underwriter cut processing time by up to 97% for insurers worth $265B in premium | vs Zest AI |
 Planto | 3.9−0.3 | Not listed | No | Fintech platform for banks that turns transaction and open banking data into personalized financial insights, cashflow forecasts and customer segments, using AI models trained on 60+ million transactions. | vs Zest AI |
| Clarity AI | 4.4+0.2 | Not listed | No | ESG and sustainability data platform giving financial institutions AI-analyzed climate and impact risk scoring. | vs Zest AI |
 AviaryAI | 4.0−0.2 | Not listed | No | AI voice agents place outbound member calls for credit unions and banks, backed by a private financial-services LLM. | vs Zest AI |
 GiniMachine | 3.6−0.6 | Not listed | No | No-code AI platform for credit scoring, debt-collection prioritization and predictive business decisions, built from as few as 1,000 historical records. | vs Zest AI |
The alternatives in detail
In order of how closely each one matches Zest AI.
EnFi
3.9Not listed
vs Zest AI−0.3
AI credit decisioning that reads broader datasets than traditional lending scoring models.
- AI-powered credit decisioning and underwriting for banks and private lenders
- EnFi Grid: AI spreadsheet intelligence that structures financial documents for underwriting
- Analyzes broader datasets than traditional credit scoring models
Broader-dataset underwriting can surface creditworthy borrowers traditional scores miss
Enterprise contract pricing requires a sales conversation before evaluation
Casca
4.1Not listed
vs Zest AI−0.1
An AI-native loan origination system that automates document collection and credit-memo prep for business lenders.
- AI assistant that guides small-business borrowers through loan applications
- Automated financial-document reading and data extraction
- AI-drafted credit memos for underwriters
Named bank customers (Live Oak Bank, Huntington National Bank) back up its claims with real institutional use
No published pricing, enterprise sales cycle required before a quote
finbots.ai
3.4Not listed
vs Zest AI−0.8
Build a credit scorecard in a day instead of 9-12 months - creditX makes lending decisions in under 0.03 seconds, reporting 20%+ higher approvals and 15%+ lower losses.
- Automated credit scorecard building in a day, not months
- Sub-0.03-second real-time lending decisions
- Multi-source data integration - internal, external, alternative
Real, named regulatory framework credentials, not just a compliance claim
Pricing isn't public - requires direct contact
Sixfold
4.2Not listed
vs Zest AISame
Its AI Underwriter cut processing time by up to 97% for insurers worth $265B in premium.
- AI Underwriter learns an individual carrier's book and risk appetite
- Can take submissions straight through to quote-ready and bind-ready materials
- Supports insurers representing $265B in combined gross written premium
Learns each carrier's specific risk appetite rather than applying generic scoring
Enterprise quote-based pricing requires a sales conversation
Planto
3.9Not listed
vs Zest AI−0.3
Fintech platform for banks that turns transaction and open banking data into personalized financial insights, cashflow forecasts and customer segments, using AI models trained on 60+ million transactions.
- Personalized financial insights from transaction data
- No-code AI-driven customer segmentation
- Cashflow insights and forecasts for credit decisions
Models trained on 60+ million transactions
Sold only to financial institutions
Clarity AI
4.4Not listed
vs Zest AI+0.2
ESG and sustainability data platform giving financial institutions AI-analyzed climate and impact risk scoring.
- Asset-level physical climate risk assessment
- Carbon footprint tracking across portfolios and holdings
- Biodiversity and nature-risk evaluation
Recognized as a Leader in Forrester's ESG Data and Analytics Wave multiple years running
No published pricing; not accessible to smaller funds or independent analysts
AviaryAI
4.0Not listed
vs Zest AI−0.2
AI voice agents place outbound member calls for credit unions and banks, backed by a private financial-services LLM.
- Outbound AI voice agents for automated member and policyholder calling
- Private LLM trained specifically on financial-services data for compliance-grade conversations
- CUSO structure letting credit unions jointly adopt and invest in the technology
Financial-services-specific training reduces the compliance risk of a general-purpose voice bot
No published pricing, budgeting requires a direct sales conversation
GiniMachine
3.6Not listed
vs Zest AI−0.6
No-code AI platform for credit scoring, debt-collection prioritization and predictive business decisions, built from as few as 1,000 historical records.
- Builds a predictive model from as few as 1,000 historical records
- No-code setup with no machine learning engineers required
- Purpose-built modes for credit scoring and collection prioritization
No-code, so no dedicated data science team is required to start
No pricing published, and third-party estimates vary widely
FAQ
Questions people ask
Is Zest AI free?
Zest AI does not list a free plan. Check its pricing page for current plans.
How did you pick these alternatives?
We match tools on what they do, their category and their price, using the details in our directory. Ratings come from our reviews and reader reviews.