Transform your auto lending with ZAML

ZAML® software and tools let you put advanced machine learning models into production quickly to improve your ability to segment good credit risks from bad.

Reduce your risk

ZAML tools help you build models with much higher precision so you can eliminate bad borrowers and slash charge-off rates while keeping approvals steady.

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Reduce your risk

Build a bigger business

When you can offer faster approvals with better pricing, your dealer-customers are more likely to send applicants your way. 


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One ZAML customer doubled its loan volume with no increase in risk.


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Build a bigger business

Prestige Financial Services and ZAML

Prestige, a leading subprime auto lender, wanted to increase its approval rates without adding risk in a market with rising defaults. Zest worked with Prestige to put into production a new machine learning model with 100 times more indicators than Prestige's prior underwriting model. Offering better pricing and more approvals, Prestige's lending volume has doubled on a 36% increase in new applicants with no impact on portfolio risk. And ZAML provides Prestige with a read-out of all key factors that drive the new model's output, so Prestige could comply with all regulatory requirements.

Read the Case Study

See how Prestige reduced their credit losses with their ZAML underwriting model.

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Prestige Financial Services ZAML

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Ford Motor Credit and ZAML

Ford Motor Credit partnered with ZestFinance for a study on the effectiveness of measuring machine learning for predicting risk in auto financing.

“The study showed improved predictive power, which holds promise for more approvals, enhanced customer experiences and even stronger business performance, including lower credit losses.”
- Ford Credit Chairman and CEO Joy Falotico.

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Cut losses

Reduce losses and default rates for riskier segments by 20% or more

Increase approvals

Expand into previously untapped markets

Price and assess risk better

Analyze the creditworthiness of each borrower with more predictability than ever before

Empower your team

ZAML automates all the model risk management work, so your data team can focus on modeling.

Transition seamlessly

Build ZAML models on the systems you already use

Explore infinite possibilities

Use ZAML to build machine learning models for underwriting, MRM, marketing, and much more

Let’s Talk

A subprime auto lender with a $1 billion portfolio uses ZAML to reduce its credit losses by 33% and increase its approval rate by 14%. Higher approvals are driving more business its way, enabling it to double its market share. Find out how we can transform your business, too.