ZestMoney is a digital lending platform in India that provides consumers with direct access to loans through a fast, convenient, and transparent experience. Currently, less than 10 million people in India have access to a credit card. Zest is India’s first completely automated lending platform designed for underserved consumers. It enables lenders to reach a wider market by using an algorithmic credit-underwriting model to power lending decisions based on alternative data sources.

E-commerce sites embed Zest financing options into their checkout flow. Consumers choosing Zest can instantly create an account and receive credit approval in real-time. The platform also supports fully automated loan servicing and collections.

ZestMoney not only expands access to loans, but it allows consumers to build a credit history that can help broaden their access to future financial products.